BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: ALLY FINANCIAL INC.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been a banking customer with Ally for several years. Recently I got an alert that there was XXXX overdraft fees charged to my account. I chatted in only to receive rude customer service with no solution. I was told in chat ( record available ) that I would not be charged any more fees due to the account being fixed. To my surprise a XXXX fee was now charged with no regard. Contacted Ally again ... .No help at all. I am not sure what has changed with Ally but refusing to opt out of overdraft clearly shows that Ally is trying to hide something.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-16
Company: Ocwen Financial Corporation
State: DC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This complaint is in response to Ocwen Loan Servicing LLC - agent / in parity with document custodian XXXX XXXX trustee - for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates XXXX Ocwen 's XXXX number : XXXX - Reference previous Complaint -CFPB- XXXX Ocwen XXXX Dated XXXX The XXXX is not of issue nor discussion, as XXXX was the secured XXXX XXXX to XXXX XXXX and the XXXX XXXX XXXX. The Trust took an insurance write off for the BK- per SEC XXXX XXXX 
Ocwen obtained a charged off account as per their own ledger. Ocwen in cahoots and parity with XXXX intended to steal and deceive by concealment and fraud for unjust enrichment through a foreclosure mill XXXX XXXX XXXX XXXX XXXX and XXXX XXXX OcwenXXXX created a Collateral file ; had to validate the debt and violated FDCP by wrong amounts owed and claimed false Note holder- the document custodian trustee- XXXX XXXX XXXX There is NO valid lien. The ONLY lien on subject property was with the prior owner for XXXX through GMAC. The chain of origination and holder due course UCC XXXX FAIL. IF Ocwen and XXXX in parity are not forging documents- why NOT file a proof of claim in Court to show the valid transfers as how they obtained a blank note. In addition, Ocwen forged my signature THAT is robo signing. Ocwen 's 305 page response on XXXX is false and additional evidence of duplicate Deeds versions of one original. 
Ocwen 's response is FALSE and deceptive- also criminal- the Deed does NOT give permission to break in my condo and stalk me- paragraph 5 page 1 and 1st paragraph page 2. ONLY IF THE PROPERTY WAS ABANDONED can the LENDER enter to make repairs. THAT is why they offer {$3000.00} for keys- to avoid Landlord Tenant Court. OcwenXXXX trustee for XXXX is NOT the LENDER. Ocwen submitted Fake HAMP letters never sent ; XXXX has not responded to the fraudulent Deed Transfer created by Ocwen and XXXX XXXX XXXX XXXX, as XXXX can not transfer something they do not have only RECORD submittals. Ocwen submitted several versions of the Deed some stamped with Lending Connection some not. Ocwen submitted fabricated documents back dated and they do NOT take robo signing seriously- as they would have done a better job than using XXXX XXXX and NO dates!. In their own admission, they submitted 305 pages of fraud to add to the other 150+ page ledger as they created documents. XXXX XXXX XXXX did mot stamp that " Note without Recourse '' or they are selling blank notes under XXXX XXXX protection. XXXX XXXX has not admitted to doing as such but Ocwen certainly put it in their ledger scanning and endorsing from XXXX XXXX to XXXX XXXX in Blank. Where is XXXX XXXX XXXX or document custodian XXXX XXXX? 
Pager 119 Of the Ocwen Ledger when they forged my name bled on page 120 of the XXXX XXXX exhibit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
About 8 months ago, I filed a complaint about this company and my serious concerns that they have no competence related to protecting my personal information. I included 2 separate issues in that complaint - they addressed 1, but did not address the other, so I am having to file this complaint again. 

They have not sent me my 1098 in the mail. I have not been able to set up an online account, so I can not access the information online and now have to file for an extension to file my taxes. 

When I try to create an online account, it confirms my user-id, however it does not allow me to create a password - even with the temporary password they email me. It goes into a loop of repeatedly showing the same error message despite the new passwords they send via email. Their customer service is a nightmare to deal with and no one knows why this is happening or how to fix it. The calls run for a long time, the agents pass the buck to one another, but the problem is not resolved. 

Also, my property taxes are now due and they are to pay them out of my escrow account. I am worried that they may fail to make the payment as due. 

I would like to repeat what I had said previously - a company with such bad technology puts users at a huge risk of identity theft. I would like to request as strongly as I possibly can that they be investigated. They do not have the credibility to be a mortgage 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 2018-09-18
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:
i have submitted a letter to XXXX on XX/XX/2018 regarding the negative items on my credit report and ask them to verify them bearing my signature within the 30 days allowed by law.i haven't received any information concerning this as of XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: TrueAccord Corp.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email in regards to money owed ( {$65.00} ) to XXXX XXXX. Basically it shows I had ( have ) an account with them. I never had an account with XXXX XXXX. So, the mailing is false and dubious. I have attached a copy of the email they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In 2014 I went to Carhop to get a car, i put down {$500.00} and i was supposed to pay {$320.00} a month, the car was in an accident which lead the person who caused it insurance company paying out {$3500.00} so i had to pay a little under {$800.00}. I called the UAC company the lady told me that if i paid off the balance then she would make sure it would be taken off my credit report. I have tried disputing this since and no luck they wont take it off even after they didn't hold up their end of the deal. I paid what was owed and i feel it should be taken off my report, I have been disputing this same company since 2014 and i am pretty fed up so this lead me to write this letter. I hope i can get some type of relief now.

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 2018-04-04
Company: RMS-Recovery Management Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm receiving repeated calls from this collection agency on my work and cell phone the calls started lasted month but, on today I received a total of four calls back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Paypal has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report  complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
RE : Case # XXXX The company US BANK believes that they have the authority to close my account based on their policy/agreement ( s ) at anytime. I, XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) didn't Agree with the policy because I reserved my rights Under UCC 1-308, the word free and UCC 3-402 ( a ) at the time of opening my account. The original contact should be on file. I also have a copy of the original that should be on file. US BANK closed my Account based on policy not Law.

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 2021-06-22
Company: The Receivable Management Services LLC
State: NY
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:
This account dont belong to me Please remove this account of all 3 credit report agencies, look here the accounts to delete 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft RMS Date of inquiry : XX/XX/2020 This is not mine.

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 2021-01-21
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid our mortgage loan off with Colorado Housing and Finance Authority ( XXXX ) in XXXX of XXXX. XXXX is serviced by XXXX XXXX  XXXX. I initially opened this mortgage loan in XXXX. We were informed that the remaining amount of {$3500.00} in our escrow account would be refunded to us immediately. The Escrow refund check was supposedly sent out on XX/XX/XXXX. We were told that we had to wait 30 days to request a stop payment on that check in order for a new one to be reissued. 

On XX/XX/XXXX, we contacted XXXX to have the stop payment put on the check and request a new check issued as they stated they would do after the 30 days. Then we were informed that the check could not be reissued for ANOTHER 30 days, bringing us to XX/XX/XXXX. We called on XX/XX/XXXX to again request the reissuing of the escrow refund check. They said they will submit a request to have the check reissued. Called on XX/XX/XXXX to verify that check had been reissued and the representative said it had not been issued out yet. 

On XX/XX/XXXX, I again called and could not get an answer from anyone on the status of the check. Over these NUMEROUS phone calls between XXXX and I, I have also requested to speak to a Supervisor in which I was always transferred to a voicemail. I have NEVER received a return call from anyone at XXXX. There is also a consistent issue of a rep putting me on hold to look in to things, only to transfer me to another rep to start the whole thing over again because they simply did not want to deal with the problem. Furthermore, my wife, who is authorized to speak on my behalf has always been able to discuss the account. The account is now archived, even though our escrow has yet to be refunded to us, and suddenly she can no longer speak to anyone about the account. I am unsure how businesses can close and archive an account when there is a refund still owed to the customer. 

We have got the complete runaround for more than 3 months now on our escrow refund check and nobody at XXXX/XXXX has taken the effort to actually send us a refund check or actually address the issues by getting to the bottom of what is actually going on. This is the absolute worst experience I have EVER had with a mortgage company. Refinancing with another company, for half the interest rate and excellent customer service, was the best thing we ever did. After reading numerous other complaints about the same exact issues, I would suggest that the appropriate agency needs to investigate how this companies manages money and their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After being contacted in writing by Convergent Outsourcing, Inc. on XX/XX/, and made aware of an alleged debt, I contacted XXXX regarding this account. I paid {$830.00} directly to XXXX on XX/XX/XXXX and received a confirmation number of XXXX for my payment. I am requesting that XXXX delete the tradelines on my credit report because I have paid the original creditor and they have no permissible purpose by law to report on my credit.

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 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Personal information was stolen back in early 2016 and  since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, five fraudulent and unauthorized charges were placed on two of my Chase credit cards. I immediately responded via text and email that the charges were unauthorized, as well as reporting the unauthorized activity via phone call and secure message. The bank removed the charges from my account but have now inexplicably placed them there again. They accuse me of having made the charges, which is physically impossible, as I was in another city at the time, as evidenced by charges placed on two other Chase credit cards!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17
Company: BARCLAYS BANK DELAWARE
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on 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 2020-07-05
Company: EQUIFAX, INC.
State: AZ
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 submitted approved police report and ftc affidavit and documents from the creditor confirming the account was an act of fraud. Equifax and XXXX has taken two months to receive the incorrect results. This is frustrating and the entire identity theft process is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to contact the company via certified mail and they won't respond to regular or certified mail. I don't know what else to do to resolve this. The company received the certified mail XXXX XXXX @ XXXX. Please help

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 2021-02-25
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, called the Mr. Cooper call center responding to several persistent and obnoxious phone calls from you. My concerns are these : In XXXX of XXXX, we applied for a forbearance under the auspice of economic relief related to COVID-19. It was represented that our payments would not be forgiven, but rather, our payments would be applied to the end of our loan. There was no discussion or disclosure related to the necessity for " modification ''. Therefore, Mr . Cooped failed and misrepresented pertinent information related to COVID-19 Relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have canceled service with the dealership, and I got a refund for the amount of {$2200.00} posted in my account. However, the account paid off. The refund check was supposed to be mailed out to my address after a month from the date it got posted on the account, XX/XX/XXXX. Today 's date is XX/XX/XXXX and the check still pending. Every time I reach out to customer service ( XXXX ) XXXX, the only answer I get is the " We will send out a follow-up email to the payments department '' or send out a service request. When I follow up on those emails or service requests, the answer I get payments didn't respond " we will have to send a new email '' I have submitted a complaint through XXXX XXXX XXXX twice and no answer.

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 2021-06-22
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

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 2021-02-25
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened by someone other than me. I have had it gone under investigation and erased from my credit report with XXXX. 
I am asking you to look into this fraudulently opened account- erase it from my credit reports as it was not me whom opened this account.

Company response to consumer: Closed with explanation