BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen is our loan servicer and XX/XX/XXXX my husband lost his job, I called Ocwen to explain we would be late they said to pay the late fee and get it in as soon as possible. Feeling nervous I applied for a payday loan to pay my mortgage at a huge percentage rate now I owe them as well I was able to make XX/XX/XXXX payment and a part of XX/XX/XXXX. Now as my husband was hoping to get unemployment he started to redo his XXXX when he suddenly got sick.. he was up and down and our mortgage was not getting paid because we had to survive somehow. when things would look better he would get sick again and go downfor 2 weeks at a time. all the while I was explaining this to Ocwen who just kept giving me amounts to pay and deadlines to get caught up.Finally on XXXX my husband woke up to XXXX. the pain was so bad he couldnt stand if he wanted to. I brought him to emergency and that was the end of him working. I told Ocwen and spoke to a hud counseler whom did not make me feel any better. I then filled out the modification package and sent them everything, receipts from my renters, tenant rental contracts my paystubs taxes for XX/XX/XXXX and XX/XX/XXXX everything and some.. Loan number on top of each page I faxed and sent hard copies. 8 days later I received a letter saying they were sorry to say but our owner of our loan does not do modifications.. excuse me? They knew this when they first started working with me regarding modifications.. now its been 6 months there is a tentative sale date on my home of 20+ years on XX/XX/XXXX. They knew this about the investor of the loan, so they wasted 6 months in telling me they will work with me save our home, do n't worry when they knew all along what the outcome was going to be. As far as Im concerned that the time I have wasted collecting paperwork, filling out and sending in the package I could have been looking into other sorces of income and help. Ocwen said there is no sale date but its been recorded. Ive heard from a legal firm that XXXX is the date of course Ocwen says there isnt a date but can there be one and they are just pulling my leg..? I dont know but what I do know is after all the investigating I have been doing I am now extremely knowledgeable in the default and foreclosure process that I am not going to lose my home.. My husband is now XXXX I have XXXX renters and another staying on my living room couch just to make ends meet.. I am a XXXX year old woman and this sorry loan servicer will not take my property without a fight.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Asset Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX from XXXX Texas in a case against XXXX and XXXX XXXX a.k.a XXXX, in the matter of a student loan continually roams the XXXX XXXX XXXX listings of XXXX names in a collection effort. For the past THREE ( 3 )! years I get the same call looking for XXXX and XXXX XXXX. Previous calls have come from many different States and Cities, once from XXXX XXXX. XXXX and XXXX are a XXXX listing. I am ready to document each caller and sue them for abuse, XXXX and XXXX having to been targeted illegally by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XX/XX/XXXX, I experienced financial difficulty and received foreclosure notice on property. In XX/XX/XXXX, I was contacted by Litton Loan Servicing saying that the propery was now " charged off '' and that I would need to settle the balance. I sent them {$7000.00} to settle. I continued to contact them and eventually received a message that they were now Ocwen Loan. I informed Ocwen of the settlement and they said they were not aware of anything. I continued to call Ocwen multiple times to research the incident. They would not. Finally, I negotiated with Ocwen another pay off for the same house that was foreclosed on, short saled, etc. They agreed to show paid in full ( see attaced ). They are still misreporting at all XXXX bureaus despite multiple attempts. This is causing me after 8 years to still cost extra money with interest rates and failure to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: VA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2015-11-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My ex-wife ( XXXX XXXX XXXX, her SSN : XXXX her DOB : XX/XX/XXXX, wanted and thus, was awarded my former home on XXXX XXXX XXXX in XXXX, California, by a California Family Law Judge as part of our Divorce settlement effective XX/XX/XXXX. So I moved out of it and back to XXXX, California ( which is over XXXX miles one way from XXXX, California ) over 16 months ago. 
Since I physically moved out, I stopped paying on the existing Ocwen Loan Servicing monthly mortgage because XXXX XXXX and her XXXX year old boyfriend physically moved into it and promised to continue to pay the monthly mortgage per the signed Court Order. 
And I mailed a copy of the signed Court Order to Ocwen Loan Servicing, yet Ocwen has now started to list the negative credit " Foreclosure '' status onto my XXXX credit report. I called Ocwen up and they refused to discuss it over the phone!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I received a notice from Ocwen stating that I was eligible for {$5000.00} recast offer on my mortgage. It was an earned incentive under HAMP for paying my monthly mortgage as agreed & on time. I immediately accepted the incentive, and requested to have {$5000.00} applied to my loan, and to have my monthly payment lowered by {$50.00}. When my monthly mortgage payment increased from {$1100.00} to {$1300.00} on XX/XX/XXXX, I called Ocwen to make sure that my incentive had been applied, and was told that it takes 2-3 months. I recently received a letter from Ocwen dated XX/XX/XXXX stating, that I am not eligible for my incentive due to my payment being 41 days late. I have never been late with my monthly payments. I pay my own property taxes & home owner 's insurance and I have never been late. This is an unethical tactic by Ocwen to keep my incentive that I worked diligently for. I have ( 30 ) days to appeal their decision, which I did on XX/XX/XXXX by email to their Escalations Department. This loan servicer is very shady & dishonest, they are always trying to beat their customers out of money, incentives, loan modifications, etc. I want my {$5000.00} earned incentive applied to my loan ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
SOMEONE HAS REQUESTED INFORMATION FROM 'CAPITAL ONE BANK USA NA ' ON XX/XX/2016 IN MY NAME THAT IS NOT ME. THIS IS FRUAD!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: Arnold Scott Harris, P.C.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My Son XXXX XXXX was XXXX years old when he went to the emergency room, and he had insurance from the state with full coverage ; however, they still tried to charge us instead of taking insurance information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: VA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: MD
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:
As you can see from the numerous complaints I have filed against the XXXX credit bureaus. Each time they attempt to make changes to my credit report it continues to make my report WORSE! 

I feel like I am being stalked. If I apply for credit it instantly and I do mean instantly hits my credit report and it makes my score go down. When I pay the credit down or off, it makes my credit score go down and it takes at least 30 days to see the impact. 

I take exception to creditors determing when and whom I apply for credit with. No one, except me knows my goals or objectives. Just some unintelligent folks trying to determine them for ME? If the credit system would have analyst that could really analyze we might make some progress. 

I still have not obtained my first goal - REFINANCE MY EXISTING XXXX XXXX XXXX Mortgage. Thanks to the 3 Unfair Credit Bureaus providing inaccurate information, I did not QUALIFY. ( NOT TRUE ) Had the credit information been correctly reported, I would have my refinance and have {$1900.00} more in my account monthly and be paying {$1900.00} less per month for a MORTGAGE PAYMENT. 

Being that I am Retiring and planned on my Retirement Car Purchase after the Refinance I now have to get the vehicle having to qualify with a different SCENARIO! 
What's Fair about that? 

NOT FAIR NOT FAIR! So much for the Fair Credit Reporting Act! 

I Demand that EVERY creditor I applied for Credit With be sent my corrected CREDIT REPORT and that I be CC 'd with the Scores and an explanation from them as to why I did not but would have Qualified given the correct informationl. 

I am going to say it again -- - The Credit Reporting System needs a Total Revitalization to be Viable in the changing financial environment! 

I am document the nonsense that has occurred since I starting investigating my credit report. In addition, due to the incorrect information the bureaus reported, creditors unfairly reduced my credit lines without justification. What's fair about that? 

I just want to live my life without feeling like I am being XXXX! That's how it feels. 

I wonder how many consumers there are that can not be as persistent at me. 

Do they ever answer the consumer 's questions. Resilient Score- Really. 

My Credit Report should REFLECT : Good Credit Risk Pays On Time Pays Most Long term bills Ahead of Maturity Dates Had financial challenges Overcame them Resilient Networth Vastly Exceeds Debts NEXT?

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 2015-09-14
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my loan thru HARP. My escrow was raised from $ XXXX/month to $ XXXX/month. I have repeatedly asked what they are paying and to give me a breakdown. No one can answer this question. They say they are only paying my taxes ( which is $ XXXX/yr ) and they have made the payment for the last several years so they know. If you do the math at $ XXXX/mo, they are collecting {$6100.00}. I have spoken with them about this since XXXX and they will not give me a straight answer. And they refuse to do another analysis and check why it is so high.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Credit Bureaus and collection company keep verifying and updating my account without sending proof of contract with signature. I aso was not notified within 5 days of reporting to the credit bureaus that the collection agency was going to report to the credit bureaus.

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 2016-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have contacted company by Mail not to contact me regarding debt on XXXX XXXX 2016 and they continued to contact me regarding the same debt, the last contact was on XXXX XXXX, 2016 via mail. I have tracking numbers of USPS Priority mail mailings as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax refuses to unfreeze my current security freeze by successfully logging into the website ( below ) or after entering my information into Equifaxs automated phone system at ( XXXX ) XXXX. 

This is the website I have successfully logged into : XXXX XXXX XXXX XXXX XXXX  When I attempt unfreeze my frozen status ; this is the message I receive from the Equifax : We are temporarily unable to retrieve the status of your security freeze. Please try again later. 

This is unacceptable and I demand that this issue with Equifax to be resolved immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: VA
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 value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have some Accounts passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX Balance : {$790.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
EQUIFAX has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EQUIFAX HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EQUIFAX are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section XXXX or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EQUIFAX is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I checked my credit on XXXX XXXX and due to incorrect information the folowing XXXX inquiries were removed from my credit report : XXXX XXXX XXXX XXXX XXXX I got another copy of my credit report on XXXX XXXX and to my surprise the above inquiries were placed back on my report without any notification from the Credit reporting agency, not even a reinsertion letter which is required by the FCRA. 

I have called Transunion many times to get no solution, i have even been laughed at by the Transunion customer service agents. When i ask for a supervisor they transfer me to another regular representative who is pretending to be a supervisor. 

It is very frustrating. Please help 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 non-monetary relief
Consumer complaint received 2022-05-30
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have  yet to received anything back from 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