BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: ALLY FINANCIAL INC.
State: FL
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 recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX  credit report. The error which prompted this credit report dispute includes late payment on XX/XX/2017, ALLY FINANCIAL. I am kindly requesting ALLY FINANCIAL to remove this late payment from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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
Consumer complaint received 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of identity theft i need this resolved asap

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 2016-10-31
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were Issued a Loan Modification by OCWEN, we made XXXX payments and they would not accept the XXXX payment because we have solar panels from XXXX XXXX XXXX which is current ... Our attorneys refiled a mod package and we were offered a payment that was XXXX More they OCWEN defaulted on original aggreement. what can be done about this this new amount is totally unrealistic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX XXXX, Ocwen mistakenly applied my mortgage payment of {$1100.00} to someone else 's account number. I 'd like to get money back from Ocwen but up to today, XXXX/XXXX/XXXX, I still have n't received the money. I was in touch with XXXX XXXX, the Ombudsman at Ocwen hoping to resolve this problem but things do n't look so promising. The Call XXXX XXXX suggested me to submit a claim with consumer Financial Protection Bureau. 
Here is the history : On XX/XX/XXXX, I received a call from Ocwen saying I was behind on my mortgage. 
I called my bank and confirmed that the money has been taken out of my checking account on XXXX/XXXX/XXXX. However, Ocwen claimed that the company never received the payment for XXXX XXXX and that I was behind on my payment. 
After numerous communication, providing documentation and repeating the same story to multiple Ocwen representatives, on XXXX/XXXX/XXXX, Ocwen finally owned up to its mistake. Here is Ocwen official response : Our records indicate that on XXXX XXXX, XXXX, we received funds in the amount of {$1100.00} through check free which were applied towards the incorrect loan number : XXXX in error. 
The problem now that loan number XXXX has been service transferred to XXXX XXXX Bank XXXX, on XXXX XXXX, XXXX. In addition, my loan number XXXX has been transferred to XXXX. Ocwen told me to contact XXXX and provide a letter from them so I can get my money back. I did get in touch with XXXX and faxed them the letter from Ocwen on XXXX XXXX, XXXX. 
Today, XXXX/XXXX/XXXX, I follow up with XXXX to check-in where we are in the process. XXXX told me that the letter is insufficient and they ca n't give my money back. It 's been 7 months and I 'm still in a limbo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
HUNTER WARFIELD AND XXXX APARTMENTS. I have disputed a debt because the apartment I lived in did not comply with sending me the required information and then the apartment complex changed the amount I owed from {$1600.00} to {$2400.00} for the bed bugs. I do not owe and have disputed the debt twice, but they continue to contact me AND they have reported me to a credit bureau. The last time I sent emails, letters and copies of my move out charges. The credit bureau is the final straw.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was divorced XX/XX/XXXX and per that divorce agreement I was to give up the house and the anything associated with the house, which I did. There was a line of credit that was taking out XXXX. My ex-wife gave SunTrust the divorce papers stating such ( so she says ). She can't or won't refinance because the of her debt to income ratio, as she puts it. She is using my credit score and how much I make in order to keep my name on this. What can I do, since it is in the divorce decree? I don't why my name can't be removed, she has been paying on this since XXXX. It is obvious that she has the money to pay it. If she defaults on this loan then I am liable and per the divorce decree I will not be liable since the house is solely under her name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I paid my walmart store card balance in I full a hold has been placed on my account for out if pattern payment ( still on hold ) am told it can take XXXX days asked XXXX badge # XXXX if i can expect this XXXX month and she told me it certainly was possible for " out of pattern '' payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: SD
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:
On XX/XX/2022 I was contacted by XXXXXXXX XXXX about suspicious charges on my XXXX XXXX XXXX Approximately, {$14000.00} was fraudulently charged. I verified with XXXX that these were not my charges. They stated my address had been changed online and they updated it to my actual address and sent me a new card. The new card was intercepted by the fraudster and mailed to their home. XX/XX/2022 the newly issued card had approximately {$12000.00} fraudulently charged. Again, I called in and verified with XXXX that these were not my charges. They issued me a new card which was intercepted again by the fraudster and on XX/XX/XXXX, {$12000.00} fraudulent charges were posted. I have had to call XXXX 5 different times regarding this. They have nothing in place to verify address changes or suspicious activity on an account that already has recorded fraud. I just called XXXX because {$8000.00} is reported on my credit report. The person I talked to was not from the United States and was very unprofessional and would not answer my questions. He kept telling me my card would not be sent because the account was frozen. I called to find out why {$8000.00} was on my credit report and he became very rude and talked over the top of me and would not listen. I had to raise my voice and talk over him. He told me my fraud charges were under investigation but he would not answer my question as to why, of all of the charges that have been fraudulently posted to my XXXX account, {$8000.00} is hitting my credit report. I would have prefer to speak to someone who is more helpful. I ended up hanging up on him because he was rude, unprofessional, inept and obnoxious.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2015 I received ACH transfer of {$7200.00} directly into my checking account XXXX into my Wells Fargo checking account. These were good funds. As of XXXX/XXXX/2015 these were my exclusive funds. No other issues with any aspect of said account. On XXXX/XXXX/2015, without any authorization from myself nor anyone in my behalf, notice, request, information, advance or post discussion or letter, call to me Wells Fargo debited my account with the same amount of {$7200.00} and claims to have returned to the original depositor. I have requested multiple times an explanation if such debit was for any specific valid legal reason, or court order, etc, but received no explanation from Well Fargo. Since these funds were exclusively mine after XXXX/XXXX/2015 no one else had the right the debit my account for such or any other sum.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hunter Warfield has a very unique style of harassment. They increase the amount of collection balance by only $ XXXX and report the new amount every month. So every month my credit score is injured by the fresh bad collection activity. They also call 4-5 times a day despite my telling them not to. The apartment building that charged me for paint an carpet are criminals themselves, I had reported the maintenance issues three times over the year I lived there. I am not paying the landlord for work that they should have fixed while I lived there and now they have Hunter Warfield trying to collect and hurting my credit monthly. This is a three year old claim!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for a mortgage modification and was granted it in XX/XX/XXXX. Per Ocwen Loan Servicing. No payments for XX/XX/XXXX and XX/XX/XXXX were to be paid per Ocwen. ! st modification patment due XX/XX/XXXX, 1st of 3. That payment was made XX/XX/XXXX. Ocwen is now reporting my mortgage as 30 late, hurting my credit going from 703 to now 504. Tryed to dispute this with Ocwen on XXXX/XXXX/XXXX on phone but Ocwen mortgage will not assist. This false reporting of my mortgage being 30 days late has caused my creditors to now cut my available credit with them in half. I want Ocwen Loan Servcing, my mortgage company to remove this statement from my credit report. My mortgage has never been late but when I applied and was granted this modification by Ocwen with no payments till XX/XX/XXXX, they are reporting it as I did not pay on time ... this is wrong!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: EQUIFAX, INC.
State: NH
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 XXXX XXXX, have already tried to correct my credit bureaus where the attached posts on credit shows that I was not removed as a authorized user. On each of these posts it shows that I was only an authorized user. I was at no time a responsible party in the use of these credit cards. I was added only as a means of helping me to rebuild my credit. Now the responsible party has defaulted on his obligations, I believe that it is in my best interest to come off of these accounts as an authorized user, and to have these accounts removed from all of my credit bureaus immediately. These trade lines need to be removed immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: MO
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: Problem with personal statement of dispute

Complaint:
Experian has drastically dropped my score for no reasons my car loan was paid off XX/XX/XXXX it dropped my score from XXXX to XXXX a new account hit it dropped three more points XXXX reported my card stolen it dropped 6 points in now at a XXXX as of XX/XX/2019 they only do this to XXXX consumers I my score should have went up from paying off my car loan not dropped 25 points. Experian is full of XXXX and need to be fined for improper abusing of credit scoring and reporting.

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 2022-10-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: EQUIFAX, INC.
State: FL
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:
Im disappointed! I already tryied to fix my credit history and I send few times of complaints to you. These accounts not belong to me I think that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and it will not help me with getting it back up and going I am not sure if this is some mistake as i assume it has to be i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used Paypal quite frequently My email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: Revenue Recovery Corporation
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am writing about an item being improperly reported on my credit report. The first company is XXXX XXXX XXXX collecting for XXXX.This information is inaccurate because I 've NEVER EVER been to XXXX XXXX XXXX and you MUST be referred by a physician to get imaging. I go to the VA and they 've only sent me to another VA or XXXX. I told the credit reporting agency this fact and after they saw that I go to the VA another item appeared on my credit report from Revenue Recovery Corporation for XXXX XXXX XXXX XXXX. I could have actually gone to an XXXX XXXX but it would have been prior to the dates being reported and hence not eligible to be on my credit report anymore AND IT WAS N'T until I pointed out the falsehoods of the XXXX XXXX XXXX. THE XXXX WOULD NOT SEND ME TO XXXX XXXX XXXX because XXXX do XXXX IN THE HOSPITAL! I was a XXXX AND a XXXX prior to getting my XXXX so I know XXXX. It is my honest assertion that XXXX XXXX XXXX attempted to disguise some expired earlier debt that was removed from my credit report based on FCRA LAW. After I pointed out that fact, the Revenue Recovery Corporation looks to have attempted to " re-age '' an old debt to help substantiate XXXX claim. It does n't ; it shows some type of collusion because if Revenue Recovery Corporation was due to be on my credit report until XXXX it would have been on my credit report in XXXX when I first checked it and IT WAS NOT THERE. In addition if I was delinquent in XXXX then it would have been due to be removed ANYWAY, however, I HAVE NEVER GONE TO XXXX which makes the XXXX claim a straight lie. If I went to the XXXX as is claimed by Revenue Recovery Corporation it would have been off of my credit report due to time and it was off. 
It appears that Revenue Recovery Corporation would have had to provide some type of information which allowed XXXX XXXX XXXX to add information to my credit report to a place that I 'd never been. The Revenue Recovery Corporation then took dates from the XXXX XXXX XXXX information in an attempt to " re-age '' a debt that had obviously been removed from my credit report based on FCRA Law.

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 2021-12-24
Company: Experian Information Solutions Inc.
State: FL
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:
Im disappointed! I already tryied to fix my credit history and I send few times of complaints to you. These accounts not belong to me I think that someone have my personal information

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 2015-06-23
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a mortgage modification in XX/XX/XXXX. It took two plus years for them to process all of my paperwork. The relationship manager said I had XXXX make XXXX payments in order for the loan to be modified, I made all payments and submitted all forms as requested. I never received anything from Ocwen saying the loan was modified, I sent several emails to my relationship manager as well as calling customer service, the last email I received from my relationship manager in XXXX stated the loan was being modified and I would be receiving payment coupons soon, what I received was a letter in XXXX stating I owed {$3000.00} dollars in back payments and the loan was modified as of XX/XX/XXXX. I asked how that was possible, I submitted all email correspondence to several relationship managers and the research department, I have proof of the payments made through XXXX as requested by the relationship manager, when requested by the relationship manager for Ocwen. My credit has been negatively impacted, my loan is in default again, and the company will not offer reasonable resolutions based on their errors, poor communication, several different relationship managers and customer service representatives handling the matter, and based on the fact I submitted all payments and documents when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I am being harassed by Ocwen Loan Servicing employees and litigation crooked lawyers. Ocwen XXXX are using levels of fraud to rip off my home. The system is so corrupt. I have repeatedly demanded CFPB enforcement staff to involve the authorities into my matter and kick in Ocwens front door to drain the smelly fishy swamp. I am not taking any XXXX from shady ocwen or its crooked fairly new licensed attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
I have a mortgage account with Wells Fargo Bank. I had a overage in my escrow account which they sent me a check for. I do not have any other accounts with Wells Fargo Bank. I went into a branch to cash the check and was told I did not have an account with the bank and would need to pay a {$16.00} fee to cash the check which was made out to me and my wife drawn on Wells Fargo Bank. The branch manager got involved when I asked why a fee when I have an account and she told me the mortgage account did not count as an account for cashing a check. She suggested I could deposit it into my mortgage as a principal payment but would not cash it for cash. My wife has also signed the check but after discussing waiving the fee she refused to process the check without my wife present.

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 2016-08-16
Company: Advanced Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation