BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX incorrectly has listed 7-8 debts per credit bureau. Despite my certified letter to them dated X/17/2017, they have failed to validate the many debts and keep incorrectly reporting them to the three credit union. Their lack of response is greatly effecting my ability to get a HELOC loan of which I am in need.

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 2022-04-09
Company: EQUIFAX, INC.
State: NC
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Have identified information in my consumer credit report/ file that is a result of identity theft. These items are not related to any consumer transaction completed or initiated by me the consumer. Please have them removed immediately.

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 2022-09-01
Company: EQUIFAX, 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:
XXXX XXXX allowed someone to use my social security number and they placed an unauthorized credit card in my name on my consumer credit report around XXXX that is in a derogatory status. I notified them on XX/XX/XXXX through CFPB complaint after several attempts to resolve it through them. They responded that it was an error on their behalf and they would remove the account. They did remove the account, but my private personal information had already been accessed by a someone other than me and my credit was ruined. I was denied for other credit products. 

Not only did they not properly validate their applications and NOT protect my privacy, they sold my information to a debt collector AFTER having this understanding with me that this account was not MY account. 

I recently applied for a credit card with XXXX XXXXXXXX and they denied me because they claim I already have a card with them and I do not. This means that they are still reporting that card in their system. This is discrimination because they ruined my credit and they are retaliating against me for reporting their illegal business practices. 

Equifax, XXXX and XXXX are also at fault because they were reporting this information as verified up until XXXX of XXXX ; hence I was getting denied for other credit products. 

My consumer rights have been violated : 15 USC 1681 B 2 A, 15 USC 1681 4, 15 USC 1681 A ( 2 ) B DO NOT REPOND THAT THIS IS NOT ME BECUASE I AM ALSO INCLUSING MY ID. THAT IS A STALL TACTIC THAT YOU USE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance wi the fair credit reporting act, XXXX account number 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 an account without my written instructions

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 2022-04-09
Company: ALLY FINANCIAL 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:
FRCA Violation auto loans late payments ALLY FINANCIAL FRCA Violation student loans U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX FRCA Violation personal loan late payments XXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX FRCA Violation personal information 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 2022-04-09
Company: Amsher Collection 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: Information belongs to someone else

Complaint:
FRCA Violation auto loans late payments XXXX XXXX  FRCA Violation student loans U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF ED/XXXX FRCA Violation personal loan late payments XXXX XXXX XXXX XXXX FRCA Violation collections AMSHER COLLECTION SERV XXXX XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my property through a sheriff sale on XXXX XXXX, 2015 in XXXX XXXX, CA. Cashier 's check was provided to the sheriff 's office for all the outstanding liens and obligations. The sheriff recorded and transferred the property to me on XXXX XXXX, 2015. Around XXXX XXXX, 2015, I received a notice of default from Ocwen Loan Servicing , LLC . The notice informed me of Ocwen 's intention to proceed with the foreclosure of the property. It took 2 months of me trying to establish communication with Ocwen and {$35000.00} in legal fees to finally realize the basis for their claim. Ocwen argued that they had not received payments. The original loan amount paid off by the sheriff 's office to Ocwen was {$250000.00}. Ocwen was now demanding and additional {$44000.00} to stop the foreclosure. Upon subpoena of sheriff 's record, it was found that the payment for the exact amount of loan was mailed out to the address provided by Ocwen promptly after the completion of the sale. Ocwen refused cooperation and the investigation into what happened with the check. Furthermore, Ocwen tried to quash the subpoena for their internal records to clarify the mystery of the lost check. In a court appearance on XXXX XXXX, 2015, the judge 's interim decision was that Ocwen needed to stop the foreclosure proceeding, fill out and sign under oath, a statement indicating that they had not received the check. This statement needed to be forwarded to the sheriff 's office before another check could be reissued. Ocwen did not forward the signed letter to sheriff 's office until XXXX XXXX, 2015. After 6 months of deliberate delays by Ocwen, now that they have the reissued check, they are asking us to pay an additional {$13000.00}. or face foreclosure. The attorney for Ocwen knows that challenging their outrageous demand, will cost the consumer much more in legal fees. Therefore, the helpless consumer will most probably choose to pay the unjust fees than to go through a costly legal battle and/or face foreclosure. Ocwen has created a cloud on my title. Ocwen 's lack of cooperation, excessive and deliberate delays, as well as their reluctance to resolve this matter is due to their policy of adding up costs and fees for the consumer. They do not conduct their business in an ethical and honest manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a complaint against my mortgage servicer Ocwen Loan Servicing Inc. I have an FHA home loan with them and I got behind on a payment. When I was able to pay past due amount I sent it and they sent it back refusing my payment stating that the amount was insufficient. The amount I owed then started from {$900.00} to what I owe now {$18000.00} and this amount has continued to grow. They have recorded a default on my loan and I feel strongly that they are trying to take my house. The bank will make money on the insurance that is on my loan if they foreclose on my house. They have repeatedly and I believe deliberately stalled on modifications of my home loan. I am seeking assistance from counseling agencies to help me keep my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 60 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 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 XXXX data breach and may have got into the hands of the wrong person.

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 2022-04-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For the last 8 months I have been trying to get inaccurate information corrected and updated on my two XXXX accounts. These accounts are showing I was 120 days past due in XX/XX/2016. I have sent copies of my entire XXXX  payment ledgers I received directly from XXXX that validate i was never past due. Each time Equifax has said these accounts are being reported accurately. That is impossible as 1 : the payment ledgers I have submitted are directly from XXXX. I contacted XXXX to ask why they are reporting the late pays as accurate to which they responded they do not respond to disputes once the loan is paid off. I have asked Equifax on three separate occasions to tell me the manner of investigation and to send documentation they received from XXXX that made them disregard the Ledgers I sent to them I received directly from XXXX - Equifax has failed to send this.. 

I also have a collection placed on my Credit Report I sent Equifax a copy of the the letter from the collection agency that said the account is to be deleted XXXX to from my credit report - I sent in the letter and XXXX would not delete it. I asked the Rep at XXXX why this wasn't being deleted and the response was its illegal for XXXX  to remove items from a persons credit report. They are in possession of the letter stating it is to be deleted and are knowingly & willfully keeping inaccurate information on my credit report. 

I don't know what to do or how to get Equifax to remove this inaccurate information when they are in possession of my entire payment history with XXXX and XXXX  is communicating they are not confirming the information as accurate and their right out refusal to remove a collection account when they are in possession of a letter from the furnisher stating it is to be deleted except to seek legal action against Equifax. 

Equifax is in violation of the CFRA and I will be seeking legal action against them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen loan servicing continues to report inaccurate and fraudulent information on my wife and I credit reports with all three credit bureaus. As of XXXX XXXX we agreed to a loan modification, at that time the loan was set to three trial payments, these payments were made on time, which then the loan went into full agreement. Since XXXX XXXX to XXXX XXXX we have made our monthly payments on time yet Ocwen continues to report information of no payments being made to the credit bureaus. Ocwen also has been charging fees sometimes up to XXXX in one day as you can tell from the payment history from Ocwen. Ocwen has not and continues to place our payments into a separate account even when there was a modification present and payments were made on time and Ocwen will still not apply payments the day/month they are received. Attached you will see Ocwens negligence in reporting fraudulently to the credit bureaus and documentation of payment history. As you make notice of Ocwens payment history sheet they are fudging payment dates and dates the payments were applied and the late fees, inspection fees and other non-explained fees are charged fraudulently. We request Ocwen report accurate information on our credit files and credit for all fraudulently charged fee 's. 

We have also disputed this through XXXX from XXXX Resource Center as XXXX is the note holder of this loan. We have been disputing this information for over 6 months through XXXX with no outcome. 

We request Ocwen Loan Servicing & XXXX to immediately stop reporting inaccurate and fraudulent information on our credit bureau and immediately send correct information to the credit bureaus and send a letter to every company that declined to offer credit due to Ocwen Loan Servicing & XXXX inaccurate and fraudulent reporting and fraudulently charged fee 's be credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Suburban Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/20, payment was paid in full after conversation with suburban credit corporation regarding the payment. 
I offered to pay XXXX XXXX XXXX directly and he said, just pay the original amount to them and he will adjust accordingly. So on XX/XX/20, I paid $ XXXX to Suburban Credit. 

Now they are billing me for $ XXXX demanding I pay them a collection fee. When I called, I was rudely informed by XXXX XXXX that, Im going to put on your account that you refused to pay and Promptly hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: First Associates Loan Servicing LLC
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
After graduating XXXX, the loan payments became astonomically unaffordable. they offered income based repayment plans but it made the balance and principal constantly grow to where payements were not going towards principal or interest. it 's impossible to pay this loan off on their terms.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hunter Warfield CORPORATION SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX  XXXX District of Columbia, XXXX To : The Office of Registered Agent for Hunter Warfield From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Acquistions are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNV funding, LLC filed a claim, commercial cause No. XXXX on the XXXX day of XX/XX/2022. 

No consent was given to the above cause No. 

Documents presented by LVNV failed to provide a valid contractual agreement under commercial law. 
There were no offers or acceptances authorized by my official indorsement to LVNV as the Oblige/payee. 
Bill of Sales, with valuable considerations were not obtained in good faith. 
This is fraudulent misrepresentation and in violation of 18 USC Sect. 1025 FALSE PRETENSES ON HIGH SEAS AND OTHER WATERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
By XX/XX/2019, we signed a contract for 3 month to rent an apartment in the apartment complex named as XXXX XXXX, located in XXXX XXXX, managed by XXXX XXXX XXXX, we was paying XXXX monthly for 2 month, we was working for XXXX, but we lost our jobs because with the covid 19 the company was really affected, we wasn't able to keep making payments and we left the apartment, we wasn't able to pay the last month that suppose to be XXXX. We received a debt collector notice for an amount of over XXXX, we make a payment plan that in the middle of the covid 19 crisis allow us to pay more than XXXX of that debt, but our economic was really affected and we wasn't able to keep making payments and basically that amount is over what we suppose to paid, that's why i considered this account was satisfied and the amount that was reported was wrong, if someone check my accounts this is the only debt collection account that i have, i don't have the best credit score but i am a responsible person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 I had called XXXX to cancel my auto policy. When I called the woman I had talked to went through the information, I had told her I chose a different provider to go through for my auto policy. She looked up my account and said I needed no further information she apologized the company didn't satisfy my needs and hung up. For the next 3 months I was harrassed by XXXX with phone call after phone call. Asking me to reinstate my coverage although nobody ever told me of this current balance that I apparently owed. I repeatedly told them no thank you and was finally put on a no call list. I then moved addresses. Being unaware of the mail being sent to my old address. Until I received the debt collector letter the nice people who live in my old house tracked me down to give me this letter. After almost a year of not having coverage with this company I am irate at the fact that they are not willing to work with me.

Company response to consumer: Closed with explanation