BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I requested a payoff amount for my loan, I am in bankruptcy so there is already hoops to jump through. On XX/XX/XXXX the person I called said it was faxed to the closing attorney. I called the closing Attorney and they said that they have not received a fax. I called back on Tuesday the XXXX and they said it takes 24 hours for it to upload and be in their system to re fax it. I called back on the XXXX and they said it takes 3 more hours, still nothing, called back again and they said the same thing. Same thing happened on the XXXX, called a couple times as well. Called today XX/XX/XXXX and they said it takes 10 days to get the payoff amount. I told them they said it should take 24 hours and the guy said no it takes 10 days. I asked to speak to supervisor and the original guy hung up on me. I called back requested supervisor and she said nothing was submitted at all!! She then said she would escalate this and submit it ASAP and I should get the payoff next week. This could cost me the sale of my house taken this long to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: EQUIFAX, 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:
Fraudulent accounts/ disputed with no results and lack of commitment. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries. 
XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-26
Company: Professional Collection Service Inc (GA)
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've sent several documents to Professional Collection Services asking them for documents to validate this alleged debt. They received the documents on XX/XX/2021. It has been well over 30 days and they still haven't sent any documents of this debt that they ASSUME I owe. I'm asking CFPB TO HAVE PROFESSIONAL COLLECTION SERVICES REMOVE THIS COLLECTION FROM MY CONSUMER REPORT BECAUSE THEY ARE IN VIOLATION! 

Professional Collection Services state there was no response from the validation notice they sent out or numerous phone calls. 
15 USC 1692g ( c ) Admission of Liability ; The failure of a consumer to dispute the validation of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
Professional Collection Service doesn't have the right to say the debt is valid. You can ASSUME. Only I can validate any alleged debt. 

Professional Collection Services reported this alleged debt to the credit bureau. 
15 USC 1681 My credit/consumer report is my reputation. If a bad debt has been furnished to any consumer reporting agency, my reputation has in fact been ruined. Professional Collection Services reported bad debt to my consumer report. This is a violation. 

Professional Collection Services stated I owe an alleged debt that they can't seem to give proper and correct documents that I requested. You called in an attempt to collect a debt. Professional Collection Services is in violation. 
15 USC 1692b ( 2 ) not state that such consumer owe any debt. 

Professional Collection Services stated I didn't respond to any of their contact attempts. 
15 USC 1692a. communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692c ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 
Professional Collection Service called me at an unusual time they are in fact a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Completed loss mitigation form with Company completed process/documents notarized all require documents. The company had approved modification, but because The notarized documents sent a day or 2 late, they turn around and said they didnt receive doucments on time and 1 document missing a check box on form 4506-T and another page not notarized. We took all documents to a notary and assumed all were notarized. My husband is a Vetern and suffering some health issues as well as myself to put us financial back. We are willing to get back on track and not lose the house. I feel that many times documents cross and also many times did not actually received mail documentation, and had to rely on email with company. All the company is nice overall, they almost set us up for failure. If the only issue was a document why not allow the time to get it to them, as we did via email/faxes. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Firstsource Business Process Services, LLC
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:
REMEDY : DELETION OF SAID ITEM AND PAYMENT OF INVOICE DUE TO FCRA VIOLATIONS for Damage of Reputation, Pain & Suffering, Harassment, Violation of Privacy, Selling of Private information without my written permission, Telephone Harassment ( over 10 phone calls after asked to refrain ) {$100000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since XX/XX/XXXX I mailed a certified letter to the collection agency XXXX XXXX asking them verify or remove the debt. They did not respond to my letter within 30 days. On XX/XX/XXXX I asked XXXX   to remove the debt since they did not verify the debt to me within 30 days. XXXX sent to XXXX XXXX a request for verification and it came back valid to XXXX, yet XXXX XXXX didn't send me verification as I requested. 

I have repeatedly disputed the debt from the collection agency XXXX XXXX. My last letter to XXXX XXXX was sent certified mailed on XX/XX/XXXX. I did received a statement from XXXX XXXX, yet again they did not respond to the letter with any information that was requested. 

I asked for : Name and balance of the original creditor? 
Highest balance amount of delinquency? 
Was the debt assigned to XXXX or did they purchase it from Synchrony Bank Monthly statements or purchases with the original creditor.

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 2023-01-30
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it again. there are accounts that need validation in order to be verified. 
My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Diverse Funding Associates LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just reviewed my XXXX credit file and found out that there is a collection account on my credit file. The name of the collection agency is DNF ASSOCIATES .Account was opened on XX/XX/2020. The dollar amount is {$2000.00}. I believe this Collection is a result of identity theft. I am including the police report with the city of XXXX that I filed that my account at XXXX XXXX XXXX was compromised my mail was compromised in my social security card was Stolen.This collection company has never reached out to me By law I have 30 days to respond back to any correspondent that send to my address. 
I would like DNF Associates to reach out to me regarding this collection. I have opened a dispute with TransUnion. DNF Associates is in violation of fair debt collection Act I have never signed any contract with dnf Associates. I have never done any business with them and I never received anything from them.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it again. there are accounts that need validation in order to be verified. 
My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-05-03
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX - Loan # XXXX XXXX XXXX XXXX currently has a reverse mortgage with XXXX XXXX formerly Nationstar Mortgage LLC. I took a reverse mortgage on my property on XX/XX/XXXX with XXXX XXXX XXXX. In XX/XX/XXXX I fell behind on my taxes due to a hospitalization that lasted longer than expected. I fell behind and was not able to get caught up due to living on a fixed income. I reached out to Nationstar and XXXX in XX/XX/XXXX with my daughters assistance. For three months they stated that they were sending the forms out and I never received them in the mail, finally in XX/XX/XXXX, I received the forms that needed to be filled out for a HUD at Risk Extension. I filed my paperwork in XX/XX/XXXXand sent additional information over in XX/XX/XXXX. On XX/XX/XXXXm I my extension was approved and then on XX/XX/XXXX the law Firm XXXX XXXX, XXXX entered a civil case against me. I was then served paperwork and had to appear for court on XX/XX/XXXX. I do not understand why the lawsuit was filed against me on the XX/XX/XXXX when the HUD At Risk Extension approval was completed on XX/XX/XXXX. If the mortgage company would of provided me with a the documents requested in XXXX then I would not of received the law suit. I was approved for the HUD At Risk Extension on XX/XX/XXXX and XXXX XXXX generated and sent me a letter on XX/XX/XXXX, almost two weeks after I was approved. Which this allowed for enough time for the law firm to file the law suit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : 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 2022-02-28
Company: Comerica
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I called into direct express customer service this morning to relay issues I was having with a transaction from XX/XX/XXXX for {$110.00} from XXXX XXXX I was explaining to the merchant that I had already filed A dispute for the transaction and that the problem I was having is that the merchant was still giving me the runaround and telling me that even though I requested a cancellation that they would still continue to charge my credit card up to 60 days pass when they receive my cancellation request and I was trying to call In to see how I can have the merchant block from charging my card. The representative was extremely ghetto and very rude and unprofessional on the phone she had kids playing in the background with the TV on making all kind of noise when I was explaining what I needed with her she got an attitude with me tell me why why dont I just get my money back from the merchant which is redundant because I already told her that I had a dispute already in process because the merchant was refusing to refund me or cancel the services then she kept asking me who the merchant was and what the amount was even though I already told her four or five times at this point when I asked to speak to her supervisor she got a further attitude and rather than transfer me to a supervisor she disconnected the call and transfer me to the survey

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Transunion is listing the incorrect address for XXXX XXXX XXXX XXXX XXXX. The street address is listed as XXXX XXXX XXXX XXXX. The correct street address in XXXX XXXX is XXXX XXXX XXXX XXXX. Transunion is required to provide accurate information. This address error is a violation of FCRA. Additionally, Transunion lists the name as XXXX XXXX XXXX. The correct name should be XXXX XXXX XXXX. XXXX XXXX XXXX also has an address in XXXX  - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX. What is the correct address for XXXX XXXX XXXX for communication regarding consumer credit reporting - XXXX  or 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 2020-05-29
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
XXXX {$390.00} XXXX XXXX {$460.00} XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-08
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:
My consumer right has been violated according to 15 us code 1681... inaccurate information is listed on my report which should be deleted immediately.

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 2020-12-15
Company: Better Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, This is most likely fraud on Better Mortgage Corporation end but here is what happened. 
I wanted to refinance my mortgage around XXXX of this year 2020. I initially went with Better Mortgage Corporation. During the 3 day window of right to rescind I decided to cancel my loan with them because I found out there was a much better offer which was not even close to Better Mortgage Corporation. I had mailed them the documentations as well as the title company and emailed both. I also got a confirmation from Better Mortgage Corporation as well that the loan had been rescinded. At this point I had had another Mortgage company who I went with and have been paying them my mortgage payments. From XXXX to XXXX I was getting emailed from the lenders service they work with XXXX that my loan was being serviced. AT THIS POINT I emailed and called them for a month straight saying I do not think that you guys actually canceled the loan but they reinsured me they did. I recently called the title company and they did cancel the loan BUT SOMEHOW XXXX still ended up getting it and then sold it to XXXX who ILLEGALLY got it and then loan care the servicer was contracting me about collection about a mortgage I never approved. I even went as far as to call XXXX and ask them what do I have to do to prove that this isn't the correct information and EVEN had a 3 way call I set up between them all to fix this. I have multiple emails and phone calls. NOW it looks like I have 2 loans for the same house. The opportunity cost I am suffering right now is beyond understandable for most. I have had a place where I wanted to refinance my house and then take cash out to buy for example but I can not because no lender will allow me because it looks like I have 2 loans on my house this has been going on for now 2 weeks. So now I have to pay XXXX more just for what I was looking at. This is what better is costing me. As well as rates and offers change every day. AS WELL AS the additional .5 or .25 increase in rates at the end of the year possible. Between the over 80 Horus I have spent trying to figure this out with everyone involved this should NOT TAKE now coming up on 5 months to solve and figure out. At this point it has cost me money with a business venture. I gave this company MORE than enough time to sort it out but they never did. They have said to me on the phone after I said I would contact the CFPB and get a lawyer is when they finally started to MAYBE do something as they are the lender violated Under TILA and Regulation Z. As well as sold a loan they never even had. Then I had to pay the consequences now for 5 months almost. THERE IS MULTIPLE TIMES WHERE THEY SAID NO ACTION IS NEEDED ON YOUR END WE HAVE FIXED THE PROBLEM. Emails will be attached and phone conversation are even worse but we will see if I can find them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed a certified letter to each credit bureau starting on XX/XX/XXXX, XX/XX/XXXX, and then method of verification letters on XX/XX/XXXX and validation of debt on XX/XX/XXXX followed by Intention to file FTC complaints letters on XX/XX/XXXX. Each letter requested that Synchrony Bank verified my debt according to guidelines, and therefore true verification. NOT a billing statement. Since then, I only have been receiving billing statements from SYNCB/WLMRTD SYNCB/XXXX SYNCB/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