BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-13
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ine complaint portal. ...XX/XX/XXXX

XXXX XXXX XX/XX/XXXX 
to Consumer 
Greeting, I would like to file a complaint against :- The Ocwen / Home Ward Residential

On or around XX/XX/XXXX I contacted my  loan servicing company Ocwen  about refinancing , I was told my a XXXX , " We don't do refinancing but we have a replicable company whom we work
with". I was given a loan officer by the name of XXXX XXXX  , whom took an application over phone and gave me a Quote on what my new monthly payments would be.
He then ask for several public and personal information that he claim was needed to move my application forward, all those information was given to XXXX XXXX.

XXXX XXXX urge me also to paid for an appraisal right away which he said would move things faster so refinancing could be closed. I made it clear that I did not want to pay for an appraisal
If I was not going to get loan, he replied that they were just waiting on appraisal to go through closing. I gave e-mail XXXX XXXX my ATE card, he deducted $XXXX from my account.

I was not satisfied with appraisal and I inform XXXX XXXX , I was not satisfied with appraisal and I wiil not sign for it. XXXX XXXX response was the appraisal had not to with me being qualified for
for refinancing---------I  made it clear to XXXX XXXX I needed no loan just to lower my interest rate.

I then about three other people from home ward asking for information that I had give to XXXX XXXX XXXX:-
A XXXX XXXX XXXX XXXX XXXX XXXX I then HAD SOME QUESTIONS ABOUT THE HOW PROCESS WAS BEING CODUCTED , THEN I WAS TOLD WE  DONT DO REFINANCIN IN YOUR AREA, WE WILL LET YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Took a loan out and they way is 60 days before they took the first payment automatic payment out of my account bank account now they're saying that I miss one month payment I enclose some papers showing that they sent me late papers I tried contacting the company several times for a whole year going around in circles and they refuse to do anything about it I had a lawyer from legal service look into it and all they did was send him paper showing that I missed payment and that they agree with him they did absolutely nothing and they didn't understand my problem so I am now contacting you to look into this matter and I have a whole mess of documents to show you as you can see the refinance of the car was done in 2017 in XXXX and then take the first payment out until XXXX and they refuse to put it on my credit showing when I made the first payment I enclose the graph of the from my credit statement showing all the missed payments and all the pay payment I try paying the late back payment {$50.00} on it but every time I did they would add late fees and interest so it didn't do any good I'm on a fixed income I'm XXXX years old this is ridiculous or what they're doing to me ruining my credit and making me stay in a motel because I can't buy a house now get a loan or credit card because they literally ruined my good credit as you can see from the documents and close the lawyers document is in two parts cuz I could not scan it all in at 1 I appreciate any help that you can give me I already have a complaint filed with you but the website would not let me log in even with resetting my password so therefore I am putting in a new complaint I hope that you can do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: CA
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:
Over the course of the last week, my credit score dropped 66 points on Equifax. The drop in credit score appears coincident with the payoff of a car I financed. I spoke at length to a representative at Equifax. He told me that the score dropped as a function of paying off the car. I was shocked to hear that meeting the obligation of a financial arrangement would have a negative effect on my credit. I asked for a letter to confirm our conversation and he refused. 

It appears the credit bureau industry is not about assessing creditworthiness as much as rewarding those who go into debt with an incentive to increase their debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
2 Bankruptcy cases were dismissed and I received dismissal papers from court. Ive sent 3 series of certified letters were sent to Trans union and XXXX, during the past 6 months. Bureaus said they were legit and kept them 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 2022-08-04
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, a representative from XXXX, XXXX XXXX XXXX stated that a sheriff would serve me in my home with a court order and that I was in serious legal problem. I was informed that XXXX, XXXX XXXX XXXX had already processed the court order claim and that I should have checked with the court for my hearing date. She added that the hearing court had passed, and the sheriff was coming to my house. I mentioned that I should have received prior communication from them when filing a claim with the court. The lady was adamant in repeating that I was in serious legal trouble. 
I had contacted XXXX, XXXX, and XXXX in response to a letter from them explaining that I had filed a cease and desist letter in XXXX to a prior collector for the same debt. I further explained that I had been a victim of credit fraud and the charges were not mine and that I had filed my case with the FTC and Virginia

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 2022-09-13
Company: DriveTime
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My husband and I purchased a used car, a XXXX XXXX XXXX in XXXX from a DriveTime dealership in XXXX, Florida. Throughout a period of XXXX years, XXXX, we paid our monthly payments on time, but the car start having mechanical problems only a few months after we purchased it. 

We tried to resolve the issues with the dealership directly, and even taking it to their mechanic of choice. However, we found out the mechanic bills were added to our original debt and the mechanical problems persisted. At this point, early to mid XXXX, my husband and I had already paid $ XXXX {$8000.00} for the car which included a {$2500.00} down payment plus all the mechanic bills. 

After no solution was given to our situation, we returned the car to dealership. It was not repossessed by the dealer but voluntarily returned by us ; the affected customers of a car that was not in good conditions to be sold in the first place. We were swindled from our money for a period of almost two years, and no solution was ever given to us, even when the car was voluntarily returned to the dealership and sold once again to a new unexpected customer. 

Now after almost 20 years of this predicament, a collect agency and supposedly legal representatives of DriveTime in California are trying to threaten my husband and I with a court case with the intent of getting more money out of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Student loan repayments started in 2002. Although payments have been consistently made, with a couple of deferments, my student loan balance has increased from Approx {$80000.00} to $ 100,000+ according to Navient. I have consistently paid {$300.00} every two weeks in accordance with my agreement with Navient, yet Navient consistently assesses late fees and other penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: CA
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:
My identity was lost and it resulted in unarthorized opened accounts and charges damaging my report. 
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 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 non-monetary relief
Consumer complaint received 2022-09-13
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the accounts as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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:
When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXX : {$57000.00}.

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 2017-06-13
Company: Convergent Resources, Inc.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received en email from XXXX XXXX XXXX XXXX XXXX The email was asking for personal info as well as trying to get me to download a .pdf and/or update my XXXX XXXX which should never be done except directly from XXXX to be safe. I called them and eventually heard they were trying to collect a debt that a previously did owe and have paid. They refused to supply any BBB info or any way to verify them with the state or a license number. So, I contacted the bank they said I owed money to just to verify that the account was paid in full and NOT in collections. It was, of course, paid as I recalled.
<P/>
The info from the email I was sent included contact info ...
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa 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 2017-06-13
Company: WELLS FARGO & COMPANY
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a student loan wi th Wells Fargo. It  is winding down but I still have an outstanding balance. I regularly receive letters weeks after they are dated and have had months where statements do not arrive at all. Due to this, my wife and I have setup automatic payments from my bank. This loan 's monthly payment does change at times, usually in the $  XXXX  range each month, so we have instructed our bank to send in {$40.00} monthly. We have confirmation that this occurs. Apparently, one month the payment changed to {$40.00}. Rather than call me a single time , Wells Fargo considered it a late payment and reported it to the credit bureaus as such. T his is the second time since  XXXX   ( which, before we started sending automatically and when a payment was lost by Wells Fargo ) in which they have reported my account 30 days delinquent. This is dropped my credit score  by a  XXXX  points. This is reprehensible conduct.

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 2020-06-21
Company: Persolve, LLC - Legal - Series 2
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On credit report Acct XXXX Dept amount {$10000.00} or {$8700.00} address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Phone # XXXX Unsure what this company is and why this is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am the co-signer on my son 's student loan. He is currently in the process of   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   with the  XXXX   XXXX . His statement was sent to me with a coversheet stating that his mail is undeliverable and that they updated his account with my address. When I attempted to call and have his address updated, I was told that they would not update the address on his account without speaking to him. This makes absolutely no sense as they changed it to mine with out his authorization. I advised that he is currently training for his  XXXX  to the  XXXX   XXXX . I was told it did not matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
onXX/XX/XXXX2017 Sent a letter to CommonWealth Financial Systems inc. ( letter attached ) requesting back up on the debt they are reporting on my credit report. <P/>They replied back ( letter attached ) that I needed to call w/social security # 4 digits/date of birth etc ... so they can properly identify me. I find this a bit disturbing that they clearly have this information since they are able to report on my credit - I will NOT call their office to verify my information. <P/>In my letter I also stated do not try to collect this debt which I do not know what it is for until they provide back if you notice at the end of the letter from the it states this is an attempt to collect a debt and used for this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
To whom this may concern, Yesterday, at approximately XXXX I called Chase to ask for some help to lower my payments and if possible lower my interest rate. I told them I am an XXXX XXXX XXXX and was about to spend the next three years NON-Deployable and I wanted to get aggressive on paying off my credit card. I explained to them that lowering my payment or lowering my interest rate would really help me during these hard times. I also explain to them that my wife had her hours drastically reduced due to COVID. After spending 1 hour and 20 minutes on the phone I was told that they could not do anything to help. They could not lower my payment or lower my interest rate. At one point a representative told me " that's why you need to look at the APR before getting a card ''. The first representative I talked to told me they had to send me to collections. I explained to collections " I have never missed a payment in over 8 years, I do not want to close my account just would really need help ''. He said " oh okay let me transfer you to customer assistance they have programs they can help you with ''. When I spoke to customer assistance and I mentioned I was XXXX XXXX, she said " I'm going to have to stop you right there, since you said you were XXXX XXXX I cant help you, only our Military team can help you ''. When I spoke to the XXXX XXXX team they tried to see if I was eligible for the Service Member Relief Act, but I wasn't. That is when I was sent to the last representative who told me " I do this everyday, people call everyday to see if we can lower their payment or their interest rate, we can not do anything to help you, I am sorry. That is why you need to look at the APR before getting a credit card ''. 

I am filing this complaint because as a consumer who has never missed a payment in all my time having responsibilities they told me they could not help. Nothing at all. I pleaded with them to help me due my circumstances and they did not. They even told me, " but if you want to make your monthly payment, I can help you ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CORELOGIC INC
State: OH
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 received my copy of my credit report from the three US credit reporting agencies. 

All XXXX reports are stating these codes : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX. 

I have been trying to buy a house now for at least 2 years. The only credit inquiries have been due to the fact of expiration of the 90-day length of time of the initial credit-report. I have paid-off my car, and Now I am penalized for that pay-off. I do NOT have any revolving accounts. Any credit cards-3- that I use are paid off monthly. There is always a full balance paid off prior to the due date. How can there be " too many inquiries '' based on a renewal of credit from the same institution?

I am also disputing the credit reporting as basically being based on a BIAS of the algorithms that are being used based on my age. Nothing has changed in my credit profile in reality other than the fact that the algorithms keep dropping the " CREDIT SCORE '' based on internal DESIGN BIAS inherent in the algorithm development. In fact, my income has increased, and there is no reflection whatsoever as to the REAL CREDIT ACCOUNTS HISTORIES. 

The Credit reports are most probably more erroneous for many other people. There is a definite AGE BIAS in this program. I DO NOT have any balances of unpaid amounts due with any Financial Institutions for more than 5 years.

When a person such as myself calls the number for Corelogic Credco, the only prompts are ONLY for FINANCIAL INSTITUTIONS. There is no advisory on the credit score disclosure of any contact number for the CITIZEN that the credit report is reporting about. If you can not recognize the inherent bias in the present system, then you definitely do not have any common sense as to how the real citizens function to actually make any STATE/NATION real! 

What happened to what used to be a requirement of advising the CITIZEN as to what number to call/contact for a complaint about any erroneous information on the REPORT clearly printed on the paper of the report, by Algorithms to other Algorithms to then be used against citizens? That is the least that any one should expect from a totally automated financial system that is most effectively not being used to support any activities that could support real citizens, especially in the US.

You can't have any kind of system of systems that works without citizens. The entire focus of the present system is totally WRONG. The system is not working for citizens, nor for institutions to maintain relevant, reasonably accurate data.

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