BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-01
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm in the process of going through foreclosure and I did a search on the XXXX website for the Trust that is suing me in the instant action XXXX Bank XXXX, XXXX XXXX, as Trustee For XXXX Mortgage XXXX XXXX XXXX, Asset-Backed Pass-Through Certificate, XXXX XXXX XXXX XXXX XXXX, et. al., Case No. : XXXX, in the XXXX Court XXXX XXXX XXXX XXXX XXXX in and for XXXX XXXX, Florida. When I looked on the SEC website the trust did n't exist..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid  XXXX   XXXX   XXXX  directly so diversified collections needs to delete their reporting from the credit bureaus . Diversified said they submitted documents for the CB 's to delete but  XXXX  and  XXXX  are still reporting the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions 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, XXXX Account # 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 an account without my written instructions

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 2022-07-15
Company: EQUIFAX, 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, XXXX  Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Transunion since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were CHARGE OFF and MULTIPLE LATE PAYMENT accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing a fraud account on my credit report all this time on my personal profile but still youre not taking any action. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX, XXXX, XXXX ). I have never with these accounts listed below, so please help me remove these charge off and multiple late payment accounts from my personal profile. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2017-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 is missing that should be on the report

Complaint:
Transunion is not reporting my 2 XXXX XXXX accounts nor my XXXX charge account nor my XXXX XXXX credit card account. All 4 of these accounts are satisfactory accounts that should be reporting on my credit report why they removed them I do n't no but I want them to start being reported again. I contacted all creditors and requested they report my credit to transunion. I am also very annoyed that another account XXXX XXXX XXXX XXXX is reporting as a chapter XXXX bankruptcy I never filed for chapter XXXX bankruptcy this information is completely wrong and hurts my credit score. I want that remark removed because I never filed for bankruptcy

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 2022-03-21
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was severely financially impacted by the Covid pandemic and used the forbearance option to give me a payment " holiday. '' In XX/XX/2021 I contacted PHH for a mortgage modification to extend the term of my loan to include the missed payments. 

A modification was agreed. 

But since then, PHH has given poor advice, sent out documents late and given me no option to meet their deadlines. 

Now, they say the modification has been denied. I have asked for a review and have been told this has been denied too and I now owe them more than {$35000.00}. 

I have tried again to speak with someone who has the power to reassess my claim but no one has been made available.

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 2015-05-05
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Requested debt validation from Hunter Warfield for an apartment complex that I have never lived in, and the account that was listed in collection in my credit report. The response from the debt collector was a request of a copy of my Social Security Card and Drivers Licence. Since they could not properly validate the debt or even prove they were dealing with the correct person. Sent them a XXXX letter informing them that they did not properly validate the debt per FDCPA and requested they remove the account from my credit report and refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I started to pay more toward my variable interest rate private loan and for the last  3 payments, my interest rate has been increased. It 's as though they see that I 'm   starting to pay more and are each subsequent payment increasing the rate to discourage me from paying the loan off sooner. I make  XXXX  payment on the loan balance of  XXXX . The original loan wa established in  2011  at  XXXX  with the rate then  of 13.75. T he  Interest  has gone fro m 13.75 to 14.175 in  the last 3 months. I 'm not paying that much toward principal, but I 'd like to to pay the loan off sooner if I can. Is it legal for  Navient  to raise my interest rate to discourage me from paying more toward my loan balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Lender " Ocwen '' took over my loan ( from XXXX ) in 2006. Ocwen never recorded the assignment with the County of XXXX. I discovered this while working with my City 's engineering department on a substantial remodel to my aging home. Permits are pulled, crews are at the ready. We are also required by XXXX, to have the Lender If Record sign off on a required easement for a planned future sidewalk. We received a brief extension of time to accomplish these items. After speaking with XXXX outsourcing, then XXXX, I finally reached the XXXX manager, XXXX, who promised a 48 hour resolution. That was 4 days ago. I have left her 10 messages asking for a call back. Even with her direct number, that department does not accept incoming calls. I 'm facing renewal of the permits, almost {$10000.00}. if this is not resolved soon and I am unsure how to proceed. Please help me get Ocwen to record as the lender of record ( which they should have done in 2006, and sign off on the XXXX easement for the sidewalk. Thank you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB complaint in regards to the erroneous account being reported by the Credit Bureau on my Credit Report. I have read that the Credit Reporting Agency is required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Upon reviewing my updated Credit report, I immediately noticed that the Account in dispute is still reporting as late on. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the account, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureau to correct this account : XXXX XXXX Balance Owed : {$39.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have won a case against this collector in court, plus they send me a IRS form to file and still this creditor is reporting negative please remove from my report please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I was applying for a credit card and received a denial based in part to payment history. I noticed there were a number of recent late payments reported on my credit report from creditors that I have been in forbearance with due to a financial hardship caused by COVID-19. I provided proof that i was in forbearance and per the CARES ACT I should not have been reported as late while in an active forbearance. I asked Transunion to investigate and remove the late payment reporting error from my consumer credit report. 30 days later I received an update that all of the payments were verified by the creditors. I called back for the proof or documentation that differed from mine. The rep from Transunion simply told me it's verified.

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 2015-12-29
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I had hail damage done to my home on XX/XX/2015 my insurance co. sent me a check in owcen and my name XX/XX/XXXX I sent the check via XXXX nextday.I had faxed my docs over on XX/XX/2015 I called everyday to check if they had everything they needed.everytime I called all I got was no they have not been loaded onto the system call back XXXX. Ocwen got the check on XXXX XXXX called that same day same thing no docs. called again on XX/XX/XXXX, Monday after XXXX still no docs I talked with maybe XXXX different supervisors XXXX told me to fax the docs.to XXXX I tried this number and it was not a working number .then in the afternoon on XX/XX/XXXX I spoked with a person named XXXX I told him the XXXX # I faxed the docs to on was XXXX and the other # XXXX he said that # was not being used someone gave me an incorrect #. 
he searched for the docs.that 's when he said for me to email the docs I asked him to email me to confirm he got them, he stated he could not do that but he would give me a call well he did email me that he got the docs. finally. now the XXXX XXXX guys I spoked with earlier promised me they would expedite the process. I called again on the XX/XX/XXXX this agent was XXXX he was just rattling words making no sense at all. Keep in mind I had to wait 7 weeks for XXXX to approve my claim meanwhile it 's been raining and my roof is leaking and moisture is building up in my walls my carpet is ripped due to water. the people who dried it ripped the carpet tore out the installation from the walls the cover on the roof is an eye sore the homeowners assoc. will soon be writing me for that soon. I am sooo fed up with dealing with these people at ocwen. they are not considerate of my needs during this difficult time. I need help something needs to be done this is a crisis.

Company response to consumer: Closed
Consumer complaint received 2017-10-14
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was involved in an accident on XX/XX/XXXX2017. I was transported in an ambulance and was admitted in XXXX XXXX XXXX XXXX. The accident was covered under Workers Compensation XXXX XXXX XXXX XXXX XXXX and also my personal Insurance XXXX. The case was settled and all bills due have been paid. I informed the XXXX XXXX XXXX who treated me that its a workers compensation and to contact my lawyer.
Though the case has been settled and all bills paid I dont understand why i am being harrassed for this little amount and CACI keep sending letters over and over. They reported to my credit agency dropping my credit score drastically. This has prevented me from getting any credit card now. 

As note I sure want to add that XXXX XXXX XXXX staff members did not treat me well. I was diagnoised with XXXX and i XXXX XXXX XXXX XXXX XXXX XXXX they gave me. Though I informed the nurse it was there for couple of hours before someone cleaned it up. The phone was also not working for me to call my family members and inform them about the accident. 

Please do needful to stop this harrassment on injured worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX inquiry that was not authorized

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 2017-05-27
Company: Ballybunion Enterprises, Inc
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am continuously disputing with  Freedom Acceptance.  I have disputed with every single credit bureau over 6 times because they keep putting incorrect information on my account. They have 'updated ' my amount owed multiple times with the wrong amount owed making it so I have to dispute again. They keeping changing the loan type from unsecured to secure. It is currently showing as secure and it was not a secure loan. The loan term is different on  XXXX  than  XXXX . The first late payment is different on  XXXX  and  XXXX . The amount owed is incorrect and each time I have reported this, they change the amount and is still incorrect. They would harass my soon ex-husband and myself via email for payments. They were adding on interest and late fees that were an higher amount than what was in the contract. On   XXXX     we were contacted via email saying we owed {$740.00} then on  X/XX/2015    we received another email saying that {$1000.00}. I have asked to have a full disclosure of the amount owed which was not only incorrect but they change the amount owed by cents or dollars so that it affects m y credit score.  They would use harassment tactic via email to try and get their money. In addition ; I submitted a claim to a previous complaint  XXXX  and according to  Freedom Acceptance  they granted me a {$510.00} credit to my account due to their civil lawsuit that they had in Colorado. However I asked for proof and I never received notice or documentation supporting which is required by the Consent Judgment. I Have also reached out to the Colorado Attorney General  XXXX   XXXX  and I am seeking further assistance on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  has been really bad about getting my disputes in CFPB XXXX XXXX XXXX  XXXX  XXXX XXXX violations : XXXX filed number for ftc The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved  on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of  that Act REMAINING COMPLIANT UNDER NEW LEADERSHIP Published XX/XX/XXXX Welcome to XXXX! 

XXXX XXXX With the turn of the calendar, the U.S. now has a new Congress and, as of XX/XX/XXXX, a new President. Many are speculating what these developments mean for the automobile finance industry. More specifically : What changes will be made to the leadership, structure or focus of the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC )? 
How will state and local regulators respond to what happens in Washington D.C.? 
What does this mean for dealers and XXXX XXXX? all know company violated the ftc laws

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX  XXXX Date Opened XX/XX/2015 Balance {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Bread Financial Holdings, Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
hi, little over a year a go my ss # was used without my knowledge work with the irs and several creditors to get this matter cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After I complained about American Express XXXX Consumer Financial Protection Bureau in XX/XX/2022, American Express closed my credit card account. They told me that they did it in retaliation for my complaint to Consumer Financial Protection Bureau. 
They also told me that they did it because I was not an American, which is false since I am a US citizen. 
This action by American Express is retaliatory, XXXX and illegal.

Company response to consumer: Closed with explanation