BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-17
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Please see my attached legal action letter sent to IndyMac Bank back on XXXX XXXX, XXXX. At that time, they had wrongfully entered my investment property, changed the locks, winterized the property, boarded windows, and then sent me a bill for all of the work. The property was vacant ( tenant evictions months prior, then then copper piping damage resulted in this vacancy for a few months ). They deemed the property was " abandoned '', which is entirely false! This letter was never addressed, and instead my loan was sold to Ocwen immediately. I am writing now, because come XXXX/XXXX/XXXX, my loan will be converting from a Interest only into a full amortizing 20 year fixed mortgage. At the time in XXXX, I took a XXXX ARM XXXX, with the plan of selling the property within those 5 years. As you can imagine, the market crashed and I am not longer able to sell. I still have not gotten back the equity that was lost. Especially the equity needed to refinance the home as a XXXX family investment. I do not qualify for XXXX, a rate and term refinance or a consolidation refinance. Additionally, I have a 2nd mortgage with XXXX, formerly XXXX XXXX XXXX, which is a 30 year due in XXXX. I have an additional 5 years on this mortgage at 9.75 % until it Balloons on me. With no options to get out of either of these mortgages, due to lack of product or assistance, I feel stuck. I am a mortgage broker myself, and have been for the past 14 years, I can not find an option to get out of these mortgage. I can not refinance and I can not sell. Additionally, because my mortgage license is tied to fiscal responsibility, there are no options for me to short sell, deed in lieu or allow foreclosure. This would all impact my mortgage origination license and ultimately harm me and my family even more. I need help. I need assistance. I am a responsible person with good income, good credit, XXXX children and a career. I have no options, and come XXXX of this year, XXXX, I am going to be put in a situation that I simply can not afford. There are no options out there for people like me who pay their mortgage on time each month, but do n't have the required equity to better their situations. Neither Ocwen or XXXX can refinance me. I have tried to Modify, but make too much money. I have been contacted by companies telling me they can get me a modification, but only If I do not pay the mortgage for 2 months. Im not willing to do this either, as that is not the right thing to do. Please let me know what options I have so I can continue to hold onto this property until I have an opportunity to sell it. 

I have attached a timeline of communications in which IndyMac bank simply refused to take responsibilty

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was being handled by The Money Source ( https : //themoneysource.com/ ). In the month of XXXX ( XXXX XXXX, 2020 ), I paid {$10000.00} towards my principal repayment. The reduced principal should have applied from that day itself and I was supposed to pay lower monthly interest since the principal outstanding is reduced by {$10000.00}. 

The Money Source transferred to loan to XXXX XXXX somewhere in month of XXXX and my first payment due to XXXX XXXX was on XX/XX/2020. However they did not apply the {$10000.00} which I paid in month of XXXX. 

I paid my monthly mortgage to XXXX XXXX based on the original principal and thereby lost the monthly interest benefit. And till date my {$10000.00} has not been paid/sent to XXXX XXXX. 

I do not know why the company did not reduce my outstanding principal by {$10000.00} before transferring the loan to XXXX XXXX. I lost approximately 2 months of interest on the {$10000.00} amount. 

Repeated mails and phone calls to The Money Source seem to have no effect. I have sent them multiple emails on XX/XX/XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX. Also called them more than 10 times. This is a harassment and mental torture since none of their answers are satisfactory. 

This is a fraud and bad practice as the mortgage lender should apply the principal repayment from the day it was submitted. 

Please look into the matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX XXXX Special - XXXX County Special - XXXX County Special - XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: NY
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:
The credit reporting agency did not remove the inaccurate information from 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 non-monetary relief
Consumer complaint received 2017-04-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed these XXXX XXXX it has XXXX accounts listed when there was only XXXX account to start with that was actually from fraud. the account report wrong dates, payments, terms, amounts, and balances. I did not know how to approach the situation about the fraud and was sued i found out when i was in the process of buying the house so i ended up paying the judgment and i am still trying to refinance because the credit bureaus refuse to correct this information it is causing me great financial harm the judged learned what happened he removed the judgement. Upon speaking to XXXX they stated that they are not verifying this information with the credit bureau. The credit bureau will not remove this information. I am including the offical stamped letter from the judge stating that the debt that i have with XXXX is satisfied.

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 2020-01-14
Company: TRANSWORLD SYSTEMS INC
State: MN
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:
The original account was with XXXX however, it was sold twice so how can XXXX continue to update my account with inaccurate information. The account was settled and paid to Nationwide Credit in 3 installments of {$180.00} each. XXXX continues to mark me late when I was making payments. The installments were made on XX/XX/XXXX ( I was marked late ),  XX/XX/XXXX and XX/XX/XXXX ( Continued to mark me late ). Why is XXXX continuing to mark my account to the credit reporting bureaus as late when they no longer own the account. XXXX reported my account as a charged off therefore, it should be reported as {$0.00} balance and no data. They continued to report it as late and while the account was paid and settled with Nationwide they updated my account as late. This account needs to be deleted for inaccurately reporting my data wrong. Does XXXX own my account still or does Nationwide 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 2022-02-21
Company: Experian Information Solutions Inc.
State: NE
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent an dispute letter and hard inquiry removal letter to all three credit bureaus Experian, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/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 2016-07-22
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
CFPB submitted Dispute # XXXX on my behalf, XXXX XXXX, 2016. 
The Dispute needed to be addressed by XX/XX/2016 to meet the FCRA dispute timeline requirements. 
It is now XXXX 2016. 
This is the SECOND instance of Experian failing to respond to Dispute Investigations, submitted by CFPB on my behalf, in a timely manner. 
The FCRA requires the accounts being disputed, to be deleted, if an investigation is not responded to in a timely manner.

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 2016-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am requesting again the removal of said account below ; as per the furnisher who first reported this debt to you. Because you have FAIL to properly investigate this case, I have taken it upon myself to work with the furnisher and we have come to an agreement about this account which I am no longer the SUBJECT of nor did I own the account. You are reporting to the public that I owe a debt or owed a debt which is not true and I will take immediate legal/civil action if this is not removed from my account. 


Again, I have come to an agreement with the Furnisher and because we have found the account not belonging to me and is inaccurate, I am demanding for it to be removed from my credit file. 

I have attached the letter from the furnisher of this account. 

XXXX Card ( 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 2022-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX, XXXX, in response to its then-promotion, I applied for a Capital One Venture credit card. Capital One promised XXXX points if I charged {$3000.00} to the card within 3 months, and a further XXXX points if I charged {$20000.00} to the card within one year from date of issue. Capital One issued me a card and has advised me that the start date was XX/XX/XXXX. It did give me the first XXXX points, but although I passed the {$20000.00} spend figure during the billing cycle for XXXX XXXX XXXX XXXXXXXX, Capital One has refused to give me the second XXXX point installment. Their agent, a XXXX XXXX, explained to me on the telephone that in adding up the spend, only the first eleven billing cycles are considered, and that I didnt reach the {$20000.00} spend level until the 12th cycle ( XXXX XXXX XXXX XXXXXXXX, still within the one year ). Their promotion, however, had spoken of within one year, and I did satisfy that test. Capitol One has decline to reconsider. 

Their file number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have some errors on my credit report that I already tried to fix. I sent letters to all 3 credit bureaus in XX/XX/2019 regarding several accounts that should not be on my report. I sent the letters certified mail and received the confirmation receipts. It has been over 90 days and I have not seen any changes on my report despite the fact that I followed the exact instructions on the FTC website. 

Attached you will find the exact letters I sent to the credit bureaus which include all the accounts I am disputing. I have not use my credit in the past 7 years so there should not be any accounts on my report that is negative.

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 2020-09-01
Company: Alliant Capital Management LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There is a class action settlement for the company that I had a loan with ( https : //www.awlsettlement.com/ ), they must have given my information to a collection agency. 
Alliant Capital Management LLC : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX - Toll Free : XXXX Fax : XXXX www.alliantcapital.net They are also calling my cell phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There was a judgement issued through the courts for my son 's unpaid debt. The judgement was listed on my credit report. I called the Law firm that handled the judgement and verified the social security # and date of birth as being my sons. We both have the same name and address. I want his judgement removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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: Investigation took more than 30 days

Complaint:
In XXXX i filed disputes with all three credit bureaus under my understanding they have 30 days to response its has been more then the 30 days and i have yet to receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Good afternoon : Experian erroneously has a " bankruptcy '' reported on my credit report. At no time have I EVER declared bankruptcy. I called the XXXX Bankruptcy XXXX of the XXXX XXXX and they affirmed that they have absolutely no record of a bankruptcy under my name or social security number. Please help me get this off of my record as I am unable to obtain the insurances necessary to purchase a home until this is remedied. Please advise how I should best proceed as the bureaus refuse to remove this mistake from my records despite my requests to do so. Should the bureaus not have to verify such an egregious error with the XXXX Bankruptcy Courts before they continue to disparage my reputation and credit score? 
Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Financial Recovery Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
since your credit bureau has not been able to work directly with the creditor to solve this issue, I am now requesting that you personally verify this account that you are reporting.

Section 609 of the FCRA requires that you, upon request, verify any accounts that you are reporting. And I am talking physical verification. I want a copy of the original signed contract. You can not legally report an account that you can not verify. 

I am asking that you send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below and if you can not I expect these accounts to be removed from my file immediately. 

I want to see the original contract with MY signature on it. I do not want a computer printout. If it does not have my signature, its not valid. 

Your failure to properly verify these accounts has put me in a bind and stopped me from obtain a line of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
since your credit bureau has not been able to work directly with the creditor to solve this issue, I am now requesting that you personally verify this account that you are reporting.

Section 609 of the FCRA requires that you, upon request, verify any accounts that you are reporting. And I am talking physical verification. I want a copy of the original signed contract. You can not legally report an account that you can not verify. 

I am asking that you send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below and if you can not I expect these accounts to be removed from my file immediately. 

I want to see the original contract with MY signature on it. I do not want a computer printout. If it does not have my signature, its not valid. 

Your failure to properly verify these accounts has put me in a bind and stopped me from obtain a line of 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 2015-10-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XX/XX/XXXX my identity was stolen and used to open XXXX different in store credit cards in a different state then where I live. XXXX of which was with Macy 's. When I became aware of the identity theft I took appropriate actions to have all of the accounts reported and closed as fraudulent. Macy 's is the only XXXX of the XXXX that is still an issue. Since XX/XX/XXXX I have filed a police report and supplied statement of fraud to Macy 's. I am still receiving credit card statements from Macy 's and have called them on numerous occasions trying to resolve this. The statement of fraud was sent on XXXX XXXX via fax and I received a letter from Macy 's dated XXXX XXXX that the claim would be resolved within 60 days. Since then I have received XXXX statements and a collections notice on the account. When I call customer service at Macy 's the first operator always tells me to just pay the bill. I did not open the account nor gain anything from the items that were purchased on the account. I do not owe anything to Macy 's. I received another credit card statement last week and called Macy 's today ( XX/XX/XXXX ) to try to resolve the issue again. Again the first operator told me that I had to pay the account. I spoke to the fraud department that had no record of my issues with this fraudulent account. I was directed to the recovery department which told me they could do nothing because the account was open. I closed the account back in XX/XX/XXXX but since then Macy 's reopened it without me knowing or notifying me. The recovery department referred me back to the fraud department. I called the fraud department back where I was made aware that the account was still open. They said that the 'system ' changed sometime and that nothing was showing on my account about the fraud and my submission of the settlement of fraud. I spoke to at least XXXX people today who were constantly pointing fingers at another department. I am still floored that an operator would tell me that I have to pay it AND that Macy 's sent the account to collections before it was even 30 days due. As of now the issue is still not resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent an dispute letter and hard inquiry removal letter to all three credit bureaus XXXX, XXXX, and Transunion to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/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 2020-01-14
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted compaint ID XXXX on XX/XX/2019. The company responded back on XX/XX/2019 with an itemized statement with my personal protected information and I believe they are in violation of HIPPA laws. I never authorized them to have my personal information nor access to any medical procedures that were done to me. They stated I owed them {$2500.00} initially, then {$1200.00}, then, {$1100.00}, then {$1100.00} and now my credit report says I owe XXXX. I am demanding this be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation