BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made my mortgage payment to Ocwen Loan Servicing , LLC on XXXX XXXX, 2015 and it still has not been credited to my account. I have made numerous attempts to provide proof of the payment, but they will only accept a revolving bank statement as proof. My bank does not provide such a statement. I have sent them 3 months worth of bank statements so that they could trace my balances themselves if they think that I was somehow manipulating the data on the XXXX statement. I have also provided a copy of a screen shot of the payment that my bank provided to me when I went into the branch to get proof of the payment. They are extremely uncooperative and rude to me when I try to get this resolved. I have sent information to them on XXXX occasions and made XXXX phone calls and still it has been over 3 months and it is not resolved. This is affecting my credit and they keep charging me late fees and continue to make harrassing phone calls to my home. I just do not know what else I can do at this point. I have now had to contact an attorney for help in getting this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
I have a credit with capital one and they reported a credit card payment of 30 days in XXXX of 2017 but they charged a late fee in XXXX which was refunded back to me because it was an error but they will not remove the 30 day late payment in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX accounts ending in XXXX and XXXX, have incorrectly listed dates of when they became past due. Due to the failure of the XXXX, the original creditor, to report the correct first date of missed payment, to the consumer agencies, the date of removal from my consumer report is incorrect. I have attached direct correspondents with XXXX a representative of the XXXX, and the person that reviews these disputes. 

In the correspondence XXXX clarifies that the due date for the account ending in XXXX was XX/XX/XXXX, thus establishing the date of first delinquency. This is in divergence to the date of XX/XX/XXXX reported to the consumer agencies. XXXX establishes that the date of XX/XX/XXXX is actually the date that the past due account was forwarded to a collection agency. 

For the loan ending in XXXX XXXX establishes that as the guarantor of the loan the XXXX purchased the loan that was already in default and subsequently transferred it to a collection agency. The date of Advance to the collection agency, XXXX, is XX/XX/XXXX, that is also the date listed on my consumer report as the open date, and the erroneously used to determine the fall off date. The correspondence establishes that the date of first missed payment that leads to the cause of action happened well before the university purchased the loan as the guarantor. XXXX also establishes that the original advance date of the loan was XX/XX/XXXX : clarifying that the institution that she represents and is reporting to the consumer agency is unaware of the date that leads to the cause of action. 

Furthermore, XXXX in a preceding email states that these accounts should fall off my credit report in XX/XX/XXXX, seven years from date of last activity ( paid in full ) instead of the date of delinquency, indicating that she is woefully unfamiliar with or disregarding the FCRA. I have now made multiple attempts to have these issues rectified, directly with XXXX and with the credit bureau, and thus far have only been able to have debts erroneously reported as still owed marked as paid. 
The credit bureau has failed to investigate the claim, instead they suggest that I dispute the item each time I speak with them. That has worked to no avail as they close the dispute after the XXXX states the information is correct, even though the documentation submitted to the credit bureau shows otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: WELLS FARGO & COMPANY
State: TX
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:
Wells Fargo illegally opens loans, for customer. - and masks the loan as escrow in the beginning of the year as an addition to customers actual mortgage balance, and reports that annual balance to credit reporting agency, while reporting the true mortgage balance to customer.

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 2016-04-21
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This account was an individual account. The collector contacted my former spouse seeking my contact information and disclosed the name of the creditor as well as the amount owed

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 2017-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent proof of identity theft to the XXXX credit bureaus they have not acknowledged the information or removed any of the accounts. I have done this on 4 occasions in the last year, i have gotten a police report, ftc affidavit, and requested the bureaus to send me proof of these items that they are saying i recieved gainfully. I do not know what else to do at this point. I have done everything that was requested and they will not remove the items

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 2017-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hello, I recently reviewed my credit report and discovered some inconsistencies. There are some accounts on my credit that do not belong to me nor was I ever notified about. I will dispute these fraudulent accounts with the credit reporting companies but I would also like for the credit reporting companies to be investigated as well as I never authorized these accounts to be on my credit report. 

Thank you

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 2017-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent two separate letters to ask for verification of a debt. The collection company a letter stating they have acquired and now owns the account. I do n't have a contract with this company and its not my debt. I have asked for a copy of the credit card application with signature and still I have not received nothing from them. I sent them a letter in XX/XX/XXXX. They refuse to remove this from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I paid my account balance off in mid XXXX per the statement. On XXXX I received a bill for {$6.00}. I called Citi and spoke to a rep who stated it was residual interest. I asked for it to be waived considering a made a substantial payment of over $ XXXX, had been a customer for over 4 years and was in good standing. The rep passed me to an Account Manager where I was told it 's a valid charge and there is nothing she can do about it. I said this happened once before on a different Citi card and the residual interest was waived. The XXXX stated it should n't have been waived and I have to pay it. I asked if they were willing to lose a customer over {$6.00} and was told sorry if that 's your decision but it 's a valid charge. I expressed my dissatisfaction and could n't believe how I was being treated and closed my account. I paid the {$6.00} and will never open or use Citi in any capacity moving forward.

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 2017-03-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a charged off account ( XXXX ) that is scheduled to come off my report on XX/XX/2017 according to Experian. I have credit reports records for the last five years and they all say THis Account is scheduled to continue on record until XX/XX/2017. I asked for the account to be removed the beginning of XX/XX/XXXX via dispute but when I got the results Experian states that it will be removed on XX/XX/2017.

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 2017-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX accounts are being disputed as not having a contact with those companies. All I received in return was a page that said updated information and an account number. I am looking for this debt to be VERIFIED AND VALIDATED. I need proof that these accounts belong to me, and that I signed up for them.

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 2017-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Received two letters from XXXX stating that my accounts with XXXX were being sold to a collection agency XXXX. Acct ending in XXXX had a balance of {$3300.00} and acct ending in XXXX had a balance of {$3400.00} according to the letters. I reviewed my credit report with XXXX credit Bureaus Transunion, XXXX and XXXX and noticed that the amounts and dates reflected on my reports were different than what the letter stated and that XXXX was also reporting as a separate account from XXXX on my Transunion report which made it seem like I had XXXX past due accounts instead of just XXXX. Transunion reports shows as follows : XXXX acct ending in XXXX balance {$3600.00} opened XX/XX/XXXX, XXXX acct ending in XXXX, balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} XXXX shows both XXXX accts the same as Transuion but no XXXX accts. 
XXXX shows no XXXX accounts but the XXXX shows as follows : XXXX acct ending in XXXX balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from XXXX. I never signed a contract with XXXX and my account with XXXX was included in a chapter XXXX bankruptcy that was filed XX/XX/XXXX so my account should not have been transferred or sold to XXXX or submitted to the collection agency XXXX. The inaccurate reporting done by XXXX and XXXX has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from XXXX bureaus as they are inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Caller continues to call my cell phone using NO CALLER ID, then leaves a message telling me to call her back ( XXXX XXXX ) at XXXX XXXX because of a claim that has been filed with her office. This is nothing but a scam as I have no outstanding debts and good credit ratings. This is the second time within 3 months they have tried this threatening me with a previous XXXX debt/lawsuit by end of business today, " but would take a few XXXX as a down payment to delay the filing ''. However, they would need to draft my bank account so I must provide them with my routing number/account number. What a joke!!! Please shut these people down before they hurt many innocent people! How do they sleep at night? 

Also found the following via Internet : Business Contact and Profile for Asset Recovery Associates Name : Asset Recovery Associates Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Website : XXXX Principal : XXXX XXXX Customer Contact : XXXX XXXX - ( XXXX ) XXXX File Open Date : XXXX 2008 Type of Business : Collection Agencies XXXX Accreditation : Asset Recovery Associates is not a XXXX Accredited business. 
Additional DBA Names : ARA Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I applied for a charity assistance with this debt twice with XXXX and was still sent to collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: FORD MOTOR CREDIT CO.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I 've become aware that Ford Motor Credit is reporting an outstanding balance that I know to be incorrect. I have disputed this account record but they have verified to the credit bureaus that the information is 100 % accurate. Not so. I requested an itemized bill showing how the sum of the charges added up to what they 're saying I owe. Reporting an incorrect balance to the credit bureaus is a FCRA violation. I 'm requesting your assistance in helping me get this company to correct my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have submitted multiple complaints against Specialized Loan Services, LLC ( SLS ). My account has been grossly mismanaged since they assumed responsibility for servicing it. I am told one moment my account is current and then I receive past due notifications. I have spoken with multiple people at SLS over the course of over 2 1/2 years and today again ( XX/XX/XXXX ) spoke with multiple SLS representatives and was told different scenarios about my account ... I 'm current, I 'm past due, they need to do more research. I was told on XX/XX/XXXX by XXXX in SLS 's Executive Branch that my 'missing funds ' were found and a letter was mailed to me on XX/XX/XXXX explaining everything and verifying my account is current. However, to date, I have not received any such letter but continue to receive weekly past due notices. I have paid {$520.00} toward extra principle and never have those funds been acknowledged or applied to my account. SLS is not transparent in the handling of my mortgage payments. In addition, due to their mishandling of my account, my credit report has been affected negatively. This has been going on for over 2 1/2 years and I need SLS to be transparent and be held accountable for what they are doing ( or NOT doing in this case ).

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 2023-03-24
Company: EQUIFAX, INC.
State: TX
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  has pulled my credit over four times in a series of days. I have not agreed nor allowed for these inquiries to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage company is not working with us on trying to get a resolution on our past due amount owed. They are not workign with us and will not let us know what we can do to save outr home. I am trying to get something since I was laid off back in XXXX. I am working now but no one will call me or work with me on a resolution No matter what I try to work out or file for I am always told by SPS that we do not qualify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home loan was sold to a debt collector. From XXXX home loans to Select Portfolio Services. I have great credit and have NEVER missed a payment. Sps does not do any refinancing or loan modification. I ca n't take advantage of getting relief in any form unless I become sell my home for less or become delinquent. 
Since the home is underwater no leanding institutions will assist me. Not XXXX, HARP, HAMP, XXXX XXXX, MY BANK or any XXXX BANKS. 
I was never given the opportunity to search for a new lender nor did I sign any paper work. 
Is this legal? 
I feel like a prisoner with good credit history and it 's unfair, immoral and unjust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX  is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay 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 non-monetary relief
Consumer complaint received 2017-03-06
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked the collection agency as well as the hospital that sold the debt to provide me with paperwork that shows why I went to the emergency room and a summary of charges so that my insurance provider can correctly pay the amount owed. The hospital stated that I did not have insurance when in fact I do have insurance because the same hospital was able to get the physician charge settled through my insurance. I have called both the hospital and the agency to get this taken care of and to do get the correct paper work so that it can be settled and have been given the run around. As a result this has been placed on my credit report as a negative marking and has impacted my credit score because of it being considered a collection account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Netspend Corporation
State: NJ
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I made a debt purchase at XXXX. I decided to return the purchase but did not have my debt card I used to pay for it. They informed me as long as I used a debit card the refund should go through fine. Netspend reporded the return as fraud. I emailed them the receipt I had as proof it was a transaction I did yet they claim to be unable to release my money. Their claim is that my only option is for the store to certify the return and the netspend will send them funds ( reverse return ). Store claims this is not an available option once the merchandise has been returned. I have been going back and forth with Netspend for a year now to close my account completely. I have run out of options and patience.

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