BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: CA
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 tried to refinance my car today XX/XX/19 and I was unable to do so because of an account reflecting badly on my credit report. This account does not belong to me ; I never opened it and I have never had an account with that company. I did not allow anyone to open this account in my name with my personal information and I have filed a police report regarding this suspicious activity on my credit. I did not benefit anything from this account being open in my name such as money, goods, services or any other benefit ; I did not make any purchases, transactions or payments towards this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28
Company: Paramount GR Holdings, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, CA. XXXX XXXX XXXX fax NMLS # XXXX They do a very hard sell, do not take no for an answer. They showed me what my mortgage and costs would look like. I sent them the information they asked for. They had me go online to sign forms. When I looked at the mortgage information on their site, the costs where higher. I told them via email XX/XX/2017  that I had changed my mind and did not want to refinance my home at this time. Since this day they have called me 2-3 times a day, every day, asking me to call them back to talk about this ( XXXX XXXX XXXX - Sr. Mortgage Specialist ), he also had his boss call me ( XXXX XXXX XXXX - District Manager ). Then they sent me a letter with both of their business cards. They continue to call me 2-3 times a day to this day, including Saturdays and Sundays. I do not answer the phone as I feel I do not owe them an explanation, I said no. They need to stop! This is harassment. If they do n't stop I feel I would need to hire a lawyer.
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Convergent Resources, 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 is not mine

Complaint:
I have askd for debt validation and all they keep sending is a final bill that I have no knowledge of ... I have not received a signature contract

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 2021-09-23
Company: ONLINE Information Services, Inc.
State: TX
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:
I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 called XXXX and told them that we 're fraud charges on my account I did not fill out for credit cards or auto loans they would n't delete them ask to speak to a supervisor they hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Back in  XXXX  of this year i received a letter in the mail from discover student loans stating that no repayment is required until  XXXX  and  XXXX  in   XXXX  . So i assume that everything on their was okay and that i would not have to worry about making any payments. About a week later in the same month i received a phone call from a representative at discover student loans asking me for a payment. I told them that i received a letter from their office that i do not have to make a payment until   XXXX  . I requested to speak to a manger about this matter. I then explain the manager the same situation, he then had me on hold for about  twenty  minutes so that he can find a copy of the letter that was sent to me, after th e manager   XXXX  came back to the line he informed me that he could not find a copy of that letter being sent to my home. At that point i felt like something fraudulent was going on because i find very hard to believe that he could not find a copy of that particular letter that was sent to my house. They are responsible for keeping record of all correspondence and letters being sent to me. Moving forward after that happen i been receiving harassing phone calls from them about a payment and i keep telling them about the letter. I even sent in a copy of that letter to them and they keep telling that they do not have it. I am tired of getting all day everyday about this issue. They are also threatening my co-signer of the loan as well. And the co-signer of the loan told them that she had know idea that being a co-signer for loan would make her legally financially responsible. They had informed her about a form to fill out that would basically file for fraud that i stole her identity to co-sign a loan for me when i did not do that at all. The co-signer is my grandmother  XXXX   XXXX , would could wrongfully implicate me because i did not steal my grandmothers identity to co-sign a loan, she had gave me her information with her consent and to consent to co-sign the student loan. I am tired of the harassment everyday by loan people that calls me everyday. They lied to me about not receiving the letter that stated to me that i did not have to make a payment until   XXXX  . I want the harassment to stop and they need honor according to the letter that they gave me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent many letters to the credit bureaus with identity theft and police report stating that there are many errors and fraudulent accounts on my report. The credit bureaus refuse to cooperate and investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and delete my records. Please delete the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the accounts listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4700.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/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 2017-04-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had  XXXX  different lenders access my Experian credit report. There is incorrect informatio n (  year of birth, liens that do n't reflect that they are paid, only a few of my open accounts listed ). I pulled my report from experian.com on  XXXX / XXXX /  XXXX   and saw this for myself, so I contacted Experian. Wh en THEY p ull my report, they say that none of that incorrect information shows up on their end. They then sent me a copy of that report by mail, which also does n't show the information the lenders and I had accessed earlier. I corrected some information on this " current '' report, and was told to wait a few days and re-access it online. I pulled it again on  XXXX / XXXX /  XXXX   and all seemed to be fixed. However, another lender pulled my report around  XXXX / XXXX /  XXXX  , and they again saw the " incorrect report ''. I believe somehow that I have  XXXX  different credit reports, but no one at Experian can " see it '' to help me fix the information on the incorrect one.

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 2022-08-31
Company: Nationwide Credit & Collection, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im the XXXX of XXXX, a settlement was reached with XXXX XXXX to settle a credit card debt for less than what was owed. All payments were made. In XXXX of this year, I discovered that they had turned the debt over to a collection agency claiming that they didnt receive one of the payments. I have sent proof that the payments were made, but they keep denying my disputes and wont remove this debt from my credit report. The name on my account is XXXX XXXX, my previous name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ocwen has claimed to have a valid transfer of assignment of our mortgage loan. The issue is that the transfer of assignment was filed by a known robo-signer XXXX XXXX. I have been able to observe varying signatures of XXXX XXXX that has been filed in county land records office. 

Can Ocwen please explain why, if the transfer of assignment is valid, does XXXX XXXX signature vary in the attached documents that have been filed in a county land records office from XX/XX/XXXXto XX/XX/XXXX to a Mortgaged Backed Security trust that was closed years earlier? 

If XXXX XXXX has been noted as a robo-signer, how is the transfer of assignment valid? How is a document signed by a known robo-signer compliant with the new servicing standards and the Ocwen National Servicing Agreement?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX a contract employee ( Empl. ID # XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX Fl. fraudulently signed a service and equipment agreements in my name. When I discovered this, I contacted XXXX/XXXX  XXXX XXXX XXXX who investigated the same and verified that the contract employee had fraudulently signed the previously mentioned agreements in my name. XXXX XXXX XXXX XXXX stated in writing that I could cancel the service at any time without penalty of early termination fees. I cancelled the services in a timely manner and yet I am still being billed for services that I did not agree to receiving. 

Collection efforts are now being instituted against me by ERC located at XXXX XXXX XXXX, XXXX, FL XXXX -Toll free ( XXXX ) XXXX for the services/early termination fees being complained about herein. 

I have previously spoken to XXXX XXXX XXXX, Human Resource Officer of XXXX ( XXXX ) who indicated that she was very familiar with my complaint and that the employee involved was immediately fired the moment the fraudulent activity was brought to her attention. XXXX XXXX indicated that she would be willing to verify this fact in writing if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have already filed a complaint but the resolution was not satisfactory. I realize I missed a payment in XXXX on a repayment plan but I lost my job in XXXX. I notified the company immediately but they claim they never received my requests for assistance. As a result Im going to lose my home in the middle of the fall and I have no where to go. This seems not to matter to the company and since they still own the property Im not sure why they wont they wont try to help me. I know they have tried in the past but we are ready and able to resume normal payments. My wife is XXXX and is XXXX XXXX and my son is XXXX. 
There is no way to move them at this point. I wish I could get them to grant me help again. I cant lose my home XXXX simply cant. How do you celebrate XXXX living in a car? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Wyndham Capital Mortgage presented me a refinance at 4.875 % interest with 0.887 % of Loan Amount Discount points with a 60 day lock on XX/XX/XXXX. 
The closing took place on XX/XX/XXXX and they charged me 1.012 % of Loan Amount Discount point plus a Borrower Paid Lock Ext of {$220.00}. 
I was totally unaware of this increase on discount point and this Lock Ext until two days prior to the closing ; therefore, I did n't have time to fight this. 
I decided to close anyways and file a complaint. I let them know that I was going to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Outsource Services, Inc. d/b/a National Acceptance Company
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I committed to a 16 week weight loss challenge on XX/XX/XXXX. The contracted stated that after you complete the 16week challenge, send a certified letter to National Acceptance Company XXXX XXXX XXXX XXXX, PA XXXX. I faithfully paid the monthly amount of {$50.00} for 16 consecutive weeks. After I completed the program and sent them the letter, they denied my request to cancel and stated I needed to complete the 1 year agreement. This was clearly a mis representation and a bait and switch scheme. I have stopped the payments from my credit card and contacted them to stop harassing me regarding delinquent payments. They keep calling me and threatening to report me to the credit bureau and ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I called my bank to inquiry about a repeat home equity loan, the loan  officer tried to take an application over the phone, but I explained I was not ready for that yet. She ( loan officer ) asked me to email her income documents of a secure nature. My wife said that email was not secure and that I should take them to her. She ( loan officer ) insisted that her customers do this all the time but my wife said no and I should bring to the office or fax them in. The loan officer insisted that I give her an a pplication but I told her I wanted to come into the office on Monday and we could do it then. I am  XXXX  and my wife said I should go in to their office to handle this kind of business. My call was simply an inquiry about their guidance and the fact that I had a previous loan with them. The loan officer said she had an apointment at  XXXX , so I went early as soon as they opened to talk to her. When I arrived Monday, they told me they ran my credit. I did not give them permission to run my credit. I am very upset about this violation of my privacy. She said I was lat e 13 times on my previous loan with them, but my credit report shows that I paid as agreed. After my wife called the branch manager to complain about the gros s negligence and violation of my privacy. I began to get calls for a conditional loan approval of a loan I have not filled out an application for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX   XXXX  has denied any ownership interest in the securitized mortgage loan that is attached to my home.   Representatives from  XXXX   XXXX  have maintained that it operates merely as the Trustee for the owner / investor of my home loan. The records since inception have shown that  XXXX   XXXX  is the Trustee for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .     Ironically, shown below is the message that  XXXX   XXXX  has sent to the CFPB, dated  XXXX   XXXX ,   XXXX   : " According to the records,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ) is the trustee for the Trust, and the current owner of your loan. The Trust is a separate entity, and  XXXX   XXXX  maintains no involvement in the operations of the Trust, including maintenance of original documents associated with your mortgage loan. '' Coincidentally, one day earlier,  XXXX   XXXX , Assistant Vice President of  XXXX    XXXX    provided a letter to the CFPB, dated  XXXX   XXXX ,   XXXX   that states the following :   XXXX   XXXX   XXXX   XXXX    XXXX  has no beneficial ownership interest in the mortgage loans included in the Trust, i.e.,  XXXX  is not an investor in the loans. Instead  XXXX  merely holds legal title to the loans for the benefit of the  Trust 's Certificate  holders. '' However, the language used in the above statement from  XXXX   XXXX  and other correspondence reiterate its position on the ownership interest of the loan or certificates, and its recollection appears to be a sale of securities that it formerly owned to  XXXX     XXXX   XXXX    maintains no involvement in the ownership of the Trust, as it should n't per the rules of maintaining an arms-length relationship among servicers and investors.   Both banks appear to have some questionable connection  to Wells Fargo as  it relates to this transaction. All three entities have been recently sued for billions of dollar for similar activities.     Please have multiple agencies review the merits of my clai m, as Wells Fargo us es loopholes in the CFPB process to avoid providing a truthful response.

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 2022-08-31
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 XXXX : Inquiry XXXX XXXX XXXX  XXXX : XXXX I applied for the wrong loans on accident.

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 2017-08-29
Company: EQUIFAX, 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:
This company has two charge offs on my reports for accounts that were never authorized by me. I have disputed them as well as contacted the credit companies directly. I did not sign up for any credit cards nor did I use them. After reviewing the update report I also notice 9 inquires that I did not authorize. 

1. XXXX XXXX Unverified Account/ FRAUDULENT 2. XXXX XXXX ( XXXX XXXX ) Unverified Account/ FRAUDULENT UNAUTHORIZED INQUIRES 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX5. XXXX  XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX /XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Disversified Consultants, Inc i s attempting to collect debts I do n't owe them at all. I never established a contract with this company at all. They are a debt collection company that purchased a debt from a company they claim I owe. Documents from the debt they purchased is not a legally binding contract to indicate that I owe them anything.They are in complete violation of the FCRA law and the status of limitation law is being violated also.

Company response to consumer: Closed with explanation