BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-27
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
By statement dated XX/XX/XXXX, PHH Mortgage Services ( " PHH '' ) together with XXXX XXXX ( " XXXX '' ), are illegally attempting to collect upon a mortgage debt that is time-barred as of XX/XX/XXXX pursuant to N.J.S.A. 2A:50-56.1 ( a ), as a result of the acceleration of my mortgage loan by XXXX XXXX pursuant to N.J.S.A. 46:9-6 as declared within the civil complaint filed in the Superior Court of New Jersey in Docket No. : XXXX on XX/XX/XXXX, for an alleged default as of XX/XX/XXXX. By statement dated XX/XX/XXXX, PHH and XXXX are continuing the illegal servicing practices of Ocwen Loan Servicing ( " Ocwen '' ) by falsely declaring a default and acceleration as of XX/XX/XXXX, which : ( 1 ) contradicts the date alleged within the civil complaint filed in the Superior Court of New Jersey on XX/XX/XXXX in Docket No. : XXXX ; ( 2 ) falsely implies payments were made for the months of XX/XX/XXXX through XX/XX/XXXX ; and ( 3 )  conceals approximately {$21000.00} in payments that I tendered, approximately {$16000.00} of which was cashed and not applied towards the above referenced account number starting the month of XX/XX/XXXX and thereafter. Despite my repeated notices forwarded to PHH and XXXX over the past 5-6 months regarding the aforementioned discrepancies along with the creation, trafficking and presentation of falsely uttered instruments by PHH, XXXX, Ocwen and their agents which set forth false claims of assignments of my mortgage loan, display forged signatures by imposters and false notarizations, and despite the binding consent judgments entered on XX/XX/XXXX in Consumer Financial Protection Bureau, et al. v. Ocwen Loan Servicing, et al. ( Civil Action No. 13-cv-2025 ( RMC ) and on XX/XX/XXXX in State of Alabama, et al. vs. PHH ( Civil Action No. : 1:18-cv-00009-TFH ), XXXX, PHH, Ocwen and their agents are willfully continuing to engage in unfair, deceptive and unlawful servicing and foreclosure practices in violation of the aforementioned consent judgments. The actions by PHH, XXXX, Ocwen and their affiliates has and continues to cause be severe emotional distress and trauma.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I called them because they have been over drafting me for years. My money has gone missing multiple times when Ive had the money in account. I currently owe a car insurance because I made a payment with my debit card and checking an account and the car insurance says they didnt receive it but Wells Fargo says they did. They tell me they cant disclose any information and Ive been banking with them since 2015.

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 2022-04-12
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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here..

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2016-06-05
Company: MODERN FINANCE COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This situation is getting very frustrating and is now affected my state of well-being do to the way Modern Finance is conducting business. on XXXX/XXXX/2016 paid {$1000.00} and noticed my receipt i got back after i made the payment that next due was XX/XX/XXXX2016.requested that they fix it and if i can get a new receipt with corrected amounts but they crossed it out with a pen and hand write XXXX/XXXX/2016. Now i got emails from XXXX XXXX dated XXXX2016 stating i get in contact with her in regards of the account. on XXXX2016 received another email letting me know that she recieved a payment for {$9000.00} and attached copy of check. which Modern Finance failed to post on to my account. If they think that they are gona continue to do this they are wrong my next step will be to push this threw the courts and hold XXXX XXXX and Modern Finance liable on there face for any additional fees I come by.all my receipts and paper copies show all the erroneous inputted data from XXXX there for hope that CFPB can help with this situation again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am forwarding to Chex Systems the police report. I am disputing XXXX items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Re : Chex Systems consumer reporting of innacurate check account reconciliation.

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 2016-09-23
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX in XXXX, Florida, I gave Western Union {$330.00} to transfer to my wife in XXXX XXXX, XXXX. I provided detailed information and identification documents on myself ( transmitter ) and my wife ( receiver ) .Today is XX/XX/XXXX and Western Union has not delivered the funds or reimbursed me in spite of numerous phone calls and requests on my part. I have sent money to my wife and daughter through Western Union many times before with no problems.Their contract states that I have a right to a refund within 10 days, but they refuse to return the money. Western Union has caused my wife and daughter financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in a loan modification for well over 8 months with Bayview Loan Servicing and they have been jerking us around and not returning phone calls and as of now they ca n't locate a check that was sent ( certified and signed for by them ) at the beginning of the month, their response was they see it was received, they will look into it trying to locate it and get back to us. They are consistently inconsistent. Every month a check has to be sent over night with a tracking number which costs an additional {$20.00}. Wrong information is continuously being sent by Bayview. There are too many inconsistencies and " mistakes '' on their end. The issues are now compounding each other. We should have been out of modification about 5 months ago and able to handle all transactions with XXXX ourselves but we and our mortgage are being held hostage by Bayview. Instead we go from person to person even supervisors and nothing is getting resolved and all of our questions go unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Accounts paid credit cards do not belong to me XXXX on Experian paid XXXX see copy court papers XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX accordance with the fair Credit Reporting act XXXX  accounts XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I have also requested validation of an item reported to you by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have received my confidential medical records in response without a prior written release clearly violating my rights under HIPAA XXXX 

Legal action is will commence against XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Should these item not be promptly removed from my credit report. I will pursue every legal route available against any agency responsible for reporting this violation. 

FCRA violation Remove all account because you are reporting inaccurate dates from when the collection was First received, last up dated and Removed dates are all different on all 3 Credit bureau yall cant be getting the same information from the same source but have different dates you all have even also reset my 7 year removal date Several times which is a serious violation making it harder for me Financially with all this inaccurate information on my whole credit report for several years

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 2015-10-26
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX XXXX is being reported on my ExperianXXXX credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all XXXX credit resort which hant been done. I payed this item in full on XX/XX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our loan and Mr Cooper Nationstar bought the loan shortly after. Our paperwork clearly states our first payment was due XX/XX/XXXX. When we were able to finally view our loan on their website ( around XX/XX/XXXX ), it had a loan origination date of XX/XX/XXXX. 
I called on XX/XX/XXXX at XXXX and first spoke with XXXX who transfered me to XXXX XXXX XXXX stated that the paperwork did reflect a XX/XX/XXXX start date, did not find our pmt mailed on XX/XX/XXXX, but said they got it passed on to the approprate group and to give it 3-5 business days. 
On XX/XX/XXXX XXXX XXXX  I called and spoke with XXXX. I told her about my previous conversation with XXXX and noticed that the pmt we sent on XX/XX/XXXX was posted as of XX/XX/XXXX, but the system still had the loan 1st due date of XX/XX/XXXX vs XX/XX/XXXX and that had not been fixed yet and our due date should be XX/XX/XXXX per that pmt received. She talked with the appropriate people and said we should be good in 3-5 business days. 
On XX/XX/XXXX the website still had the incorrect due date still stating XX/XX/XXXX with the 1st pmt due XX/XX/XXXX. I called and spoke with XXXX at XXXX XX/XX/XXXX. I referred her to her notes I was sure they had and reiterated the above. I also pointed out that we are now getting calls for this pmt due to their error and that the 60 day window XXXX talked about where things are not reported to credit is closing fast. I told her I needed this fixed today as more than enough time has passed to do so and said I would initiate a complaint if not. She put me on a long hold, came back and said she could get a hold of no one in that department, or any manager. I made sure she had my contact info and told her the complaint was going to be processed. I do not know if I will get a callback today or not from the department that allegedly is suppose to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX  XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX BALANCE {$2200.00} XXXX XXXX XXXX BALANCE {$24000.00} XXXX XXXX Balance {$1500.00} XXXX  XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX TransUnion LLC XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
currently in litigation with XXXX banks i asked for information to be removed due to the court proceedings, still being reported which is holding my score back please remove mortgage account that appears and XXXX who was previous removed but has reappeared.that would able me to refinance my home and purchase a vehicle because the mortgage i have been paying for them not to report so i am asking for it to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX dinged my credit to pressure me for money without notice as I called them only after getting credit report change notice from my XXXX account. When we spoke, the agent said I had to pay the balance and only then they 'll remove the credit reporting. I paid the balance and I do not yet see the updated report on my 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 non-monetary relief
Consumer complaint received 2016-08-24
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have been attempting to apply for an unemployment deferment because I was furloughed by the XXXX on XXXX XXXX, 2016. ECSI, which services the Perkins loans I borrowed to afford XXXX school, refuses to accept my proof of unemployment. I do n't have any money, and my low credit score due to their refusal is affecting my ability to secure a year-round full-time job.

Company response to consumer: Closed with explanation