BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Since XX/XX/XXXX I was a victim of identity theft. A bill showed up on my credit report about almost three years ago. I have requested and advised over and over that proof of validation be sent to me for the alleged debt. I disputed this account because I never opened the account no proof of validation was ever sent per my request. I have lived at the same address for over 15 years and still no proof of validation of the alleged debt has ever been sent but continues to report on my credit I have asked both Portfolio Recovery and the three reporting agencies to provide me with documents of the alleged debt. I never signed any contracts nor am I in debt to Portfolio Recovery Group they are impacting my credit and life in a major way. I sent the office a request for debt validation and requested a copy of any agreements that I signed stating that I am in a contract with Portfolio Recovery Group for the alleged debt to date there has never been anything sent to my address again where I have resided for years. I recently provided a copy of my current ID AND SOCIAL SECURITY number to this company asking that all original documents be sent showing that my name and birthdate and social match the opening of this alleged account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My house loan conditions, under the loan modification agreement with GMAC Mortgage in XX/XX/XXXX, are such that the payments would increase by 1 % each year until XX/XX/XXXX, at which point the interest rate would be fixed at 5.05 %. When the payment amount needed to be increased, I was notified. On XX/XX/XXXX, I was notified by GMAC Mortgage that the interest rate would go up to 2 % ; and the payment amount would increase. The loan was first under GMAC Mortgage, and then it was transferred under Ocwen Loan Servicing , LLC on XX/XX/XXXX. 


After the transfer in XX/XX/XXXX, I was notified by Ocwen on XX/XX/XXXX that the interest rate would go up with an increased payment amount. After a few months, Ocwen stopped sending me the statements with the payment amount : this was done without my agreement. In other words, they stopped sending me any form of billing statements ( neither paper nor online ). 


In XX/XX/XXXX, Ocwen did not send a notification of the new payment amount under the new interest rate ; as a result, I continued to make the payments under the old amount. Later, I received a letter which showed that I did not pay the full amount for the recent months and that I accumulated a debt. When I called Ocwen for an explanation, I was informed that they could not send me billing statements or notify me of the increased payment amount because I was still under bankruptcy. 
This does not make sense since in XX/XX/XXXX, even under bankruptcy, I was notified when the payment amount needed to be increased. Ocwen is now demanding that I pay the full debt amount acquired during these months and did not accept my last payment. As a result, Ocwen is threatening foreclosure if I am unable to pay the full amount all at once. It seems to me that Ocwen is doing the best that they can to get a hold of the property.

Company response to consumer: Closed
Consumer complaint received 2020-03-11
Company: BARCLAYS BANK DELAWARE
State: NJ
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 shocked when I reviewed my credit report and found late payment on the dates below : BRCLYSBANKDE XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2022-07-15
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XXXX Balance : {$1400.00}, and XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance {$120.00}.

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: AZ
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:
In accordance with the Fair Credit Reporting Act, 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 written instructions. 

The following information is incorrect : XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX The following information is incorrect : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX The following information is incorrect : XXXX. XXXX XXXX ( Employer ) TransUnion has removed has this false information ( addresses ) XXXX XXXX XXXX XXXX has removed this false information ( addresses and employer )

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 2019-11-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2019, I attempted to get an auto loan quote through XXXX which I am a member for banking services and insurance. After providing the required information, I was told that XXXX would run a credit check through Experian for myself and my wife. While XXXX was able to receive information about my wife 's credit history, XXXX stated that Experian stated it was unable to verify my identity. I attempted to contact Experian to find a solution in getting my identity verified for XXXX via their number on the website XXXX and other numbers found online at XXXX, XXXX, XXXX. I was unable to talk to anyone in person regarding this as many of the numbers only had robocall functions. There were no options to get to talk to a live person. 

On XX/XX/2019 I received an email telling me to check myidcare ( credit monitoring service provided by the federal gov ) that my credit had been checked. I saw that myidcare listed a credit check even though Experian was unable to verify my identity.

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 2022-07-15
Company: EQUIFAX, INC.
State: MI
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:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Equifax, XXXX, and XXXX credit reports. My latest credit report shows XXXX credit inquires that I did not authorize. 
unauthorized Inquires from : XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A Citibank ATM destroyed a check I attempted to deposit it in. Call center workers would not assist me. They told me to speak with someone in the branch, even though all branches are closed at XXXX, when the problem happened

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i just received my credit report and noticed unauthorized items that shouldn't be reporting to my credit profile. Thishas been a rough time during this pandemic era

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 2018-01-20
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I paid off a expiring promotional balance transfer on a Citi Simplicity Card and took out another promtional balance transfer. Citi Bank charged me {$120.00} fee for doing so, however, Citi Bank took my payment that was to payoff the expiring balance transfer and paid off the new balance transfer. Then they moved my expiring balance transfer to the standard purchase rate. This practice is unfair and deceptive!

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 2022-07-15
Company: EQUIFAX, 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 belongs to someone else

Complaint:
This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XXXX Balance : {$1400.00}, and XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE BEEN DEALING WITH OCWEN LOAN SERVICING FOR SEVERAL YEARS TRYING TO GET A SHORT SALE APPROVED. IT HAS BEEN IMPOSSIBLE. THE SERVICING IS IN XXXX AND THOSE CUSTOMER SERVICE REPS ' READ A SCRIPT AND ARE NO HELP..NONE AND WHEN YOU TRY TO GET SOMEONE IN THE UNITED STATES TO SPEAK TO YOU IT COULD BE WEEKS OR MONTHS BEFORE HEARING BACK. 
MY HOUSE IS UP FOR SALE ON XX/XX/2017, NO NOTICE, NO NOTHING, JUST A CALL FROM SOMEONE IN XXXX TELLING ME SHORT SALE WAS APPROVED AND I WOULD HAVE PAPERWORK WITHIN A FEW DAYS ... BUT, " OH, BY THE WAY '', YOU SALE DATE IS XX/XX/2017. I WAS FURIOUS. WE HAVE BEEN WORKING DILIGENTLY ON THIS END TO GET THINGS FINISHED WITH NOTHING, ABSOLUTELY NOTHING BUT LIES AND DECEIT FROM OCWEN. I TAKE CARE OF MY XXXX MOTHER AND MY GRANDSON. THIS IS HORRIBLE, ESPECIALLY WHEN YOU HAVE THE BUYER READY TO GO AND OCWEN STILL CA N'T TELL THE TRUTH. THEY HAVE STATED THEY " MISPLACED '' THE SHORT SALE PAPERWORK, LOST IT ... AND THEN FOUND IT AGAIN. NOW THEY ARE ASKING FOR AN APPRAISAL DAYS BEFORE SALE AND THAT CERTAINLY WO N'T DO ANYONE ANY GOOD ESPECIALLY SINCE THEY HAVE HAD SEVERAL SINCE THIS PROCESS STARTED. OCWEN ALSO PUT FORCED INSURANCE ON THE PROPERTY BUT HAVE NEVER EVER EVER FIXED ANY PROBLEMS THAT HAVE BEEN EXPERIENCED AT THE RESIDENCE. STORMS, ROOF PROBLEMS, TREES DOWN, DAMAGE TO THE WALL FOR THE FOUNDATION DUE TO STORMS ... .NOTHING ... THEY DO N'T EVEN CALL BACK ... ... THIS IS HORRIBLE TREATMENT ... ..HORRIBLE .... 
MY ORIGINAL MORTGAGE COMPANY WENT BANKRUPT, THEN THE SECOND DID THE SAME AND THEN I WAS INTRODUCED TO OCWEN AS THE SERVICER AND THEY ARE DOING NOTHING BUT SUCKING THE LIFE OUT OF PEOPLE.. WHERE IS THE HELP, THE MODIFICATIONS, NOTHING BUT LIES AND DECEPTION. 
WHERE AM I TO GO WITH MY XXXX MOTHER ...?????????? 
I HAVE WORKED ALL MY LIFE AND HAVE BEEN HERE IN THIS HOUSE OVER 15 YEARS. I GOT THE BUYER FOR THE PROPERTY, THE MONIES IN ESCROW, EVERYTHING AND THEY CA N'T GET IT IN FRONT OF SOMEONE WHO SPEAKS ENGLISH AND CAN READ A DOCUMENTS ... .WHERE DO WE GO FROM HERE .... 
LIARS ... .ALL LIARS .... 
I HAVE DOCUMENTED EVERYTHING ... NAMES, TIMES, EXTENSIONS, ETC ... ALL OF IT.. 
TELL PEOPLE ... .TELL EVERYONE ... ..SOMEHOW WE NEED TO STOP THIS CRAZINESS ... NOW .... 
OCWEN ... ... ..LIARS ... ..THEIVES ... ... LIARS ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had a car-loan with   XXXX    XXXX   XXXX  that was in delinquent status when it was paid off in  XXXX   2014  by my insuranc e carrier,   XXXX   XXXX . Despite its delinquent status, the payment represented the loan pay-off for the vehicle.     Currently, all Credit Bureaus show the account as either written, closed with a balance remaining, or still delinquent. Attempts to correct with the bank directly have been met with mockery or derision. The credit bureaus insist they only report what the creditor gives the, I 'm basically stuck with this account on my report until the account passes its statue of limitations,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit reports shows I owe a debt of {$2000.00} XXXX Account Number # XXXX ) I repeatedly disputed this claim with CAPITAL ONE BANK several times via mail over the past 7 years, this is not my debt and someone opened a fraud account in my name. I have never signed a contract. Never received any paperwork from CAPITAL ONE BANK debt is belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
All state Credit Bureau, has attempted to collect a medical debt. I advised through a letter of Debt Validation, that was sent on XX/XX/2022 USPS certified mail. I have yet to receive the request documents, which have been verified that their company received.

All State Credit Bureau @ XXXX XXXX XXXX XXXX XXXX MI XXXX Is in violation of the Fair Debt Collection Practices Act And I want this account removed from my credit report! 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 been trying to get my credit report properly investigated because their are accounts that have been open fraudulently. 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. I have no knowledge of any of these accounts.

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 2022-07-15
Company: Experian Information Solutions Inc.
State: VA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

EXPERIAN : 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 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 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

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: 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: Account status incorrect

Complaint:
I had a car-loan w ith   XXXX   XXXX   XXXX    that was in delinquent status when it was paid off in   XXXX    2014 by m y insurance carrier,   XXXX   XXXX  . Despite its delinquent status, the payment represented the loan pay-off for the vehicle.     Currently, all Credit Bureaus show the account as either written, closed with a balance remaining, or still delinquent. Attempts to correct with the bank directly have been met with mockery or derision. The credit bureaus insist they only report what the creditor gives the, I 'm basically stuck with this account on my report until the account passes its statue of limitations,

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 2022-03-21
Company: CrossCountry Mortgage LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying, since XX/XX/2022, to have our current mortgage company, CrossCountry Mortgage, run an escrow analysis due to them overcharging our escrow account. We are in a new construction home, so our property taxes were estimated until the new XXXX XXXX XXXX  taxes were updated for this year. I contacted them again on XX/XX/2022 via email with our taxes for XXXX  and requested an escrow analysis- I was told this would be reviewed and completed. I contacted them again on XX/XX/2022, XX/XX/2022 and XX/XX/2022 to check on the escrow analysis- I was told it only takes 4 business days to complete, but up through today, XX/XX/2022, there has been no progress. They have overcharged us by thousands of dollars and seem unwilling to issue the refund we are due from their overcharging our account. 

Additionally, we have our homeowner 's insurance policy through XXXX. I contacted them today because I noticed that we are being charged through our personal checking account every month for this, even though it is being escrowed by CrossCountry Mortgage. The XXXX representative I spoke to today said that they have requested the payment from CrossCountry Mortgage, but were ignored, so they charged us directly.

CrossCountry Mortgage is not responsive to myself or my insurance company and this seems both unprofessional and negligent. We have made every payment that is due on time and our loan is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: GA
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 filed a ftc report because I found fraudulant accounts on my credit report, nobody would help me.

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