BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen took over my XXXX mortgage from GMAC ( for reasons unknown to me ). When they did, my payments went from {$160.00} to {$940.00}. When I tried to get information on why this happened, Ocwen refused to explain and told me to " pay my bill ''. I have been struggling with communication with this company. I know that according the the California Homeowner 's Bill of Rights I have the right to a single point of contact that has decision-making authority of my account. Although they have technically appointed me a " relationship manager '', this person is never available when I call. I get transferred to another " relationship manager '' who does not have the ability to make decisions on my account. Furthermore, whenever I submit all the paperwork necessary for a loan modification, they either 1 ) lose my paperwork ( the first time I faxed it and they claimed to have never received it ) or 2 ) Claim to be missing paperwork ( even though I have proof that I emailed it ). I have paid this company XXXX % of what I owe in a lump sum and they are still claiming that they are going to foreclose on my house in a week ( even though I am current on my first mortgage with another company ). They have not sent me an updated statement even though the loan has been reinstated. Instead, I received a letter that says they simply postponed the foreclosure. 

They also claim that their hours are " Mon-Fri XXXX-XXXX, Sat XXXX-XXXX, Sun XXXX-XXXX ET ''. However, when I have called on the weekends AFTER making a payment of over {$28000.00}, their offices are closed. I can no longer reach them during their weekend hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I paid the settlement offers for both XX/XX/XXXX Reference No : XXXX ( Original Creditor : XX/XX/XXXX Account No : XXXX Balance : {$550.00} ) which was {$270.00} and XX/XX/XXXX Reference No. XXXX ( Account Summary Original Creditor : XX/XX/XXXX Account No : XXXX Balance : {$500.00} ) and {$250.00}. 
I was told on a recorded call both debts would be deleted.

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 2022-03-22
Company: EQUIFAX, INC.
State: OH
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:
On XXXX XX/XX/2022 I sent certified letters to all 3 Credit Reporting agencies as well as the collection agency, Revenue Group, in XXXX, OH and University XXXX that placed a {$210.00} unpaid bill for collection on My accounts. I included 5 pages of documentation proving that I was not responsible for the unpaid bill and XXXX  acting for the Veterans Administration specifically stated as such in this documentation. XXXX is authorized to act for the V.A. Furthermore, the bill went unpaid because the hospital did not seek re-embursement within the required 180 day window, perhaps because of the start of covid? There are numerous other inaccuracies on My accounts which I detail in each letter. 

In reply letters, XXXX resolved the issues, however, Equifax and XXXX refuse to take the necessary action to resolve the situation despite a follow-up phone call directly from Me. I can not waste any further time with these unresponsive agencies. I must have the inaccuracies rectified in order to access My eBenefits account with the V.A. which uses ID.Me to verify My identity using information directly from My Credit Report. 

All the pertinent details are included in the letters I sent to these credit agencies on XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX, XXXX, XXXX XXXX, XXXX, ME advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XXXX of XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX, XXXX, XXXX XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Avant Holding Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
I had a personal loan through the company Avant which has been paid in full for over a year. The company constantly sends emails saying to to reapply and it will not affect your credit. One day I clicked on the link to re-apply for a new loan, just to help pay ahead or pay down bills since inflation. It auto-entered my information as well. They never call me about the loan or anything, they just closed the application after a few days. Then I see it on my credit report as a hard inquiry when I had many emails saying it wont affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Per the case number above, Transunion agreed that the Student loan with XXXX had been settled and that the balance would be corrected to zero and settled. I now pull my credit report and they have reverted back to showing a balance and open. The settlement to the above noted case was that TransUnion agreed the showed be XXXX balance and closed as of XXXX/XXXX/2015. I need them to correct this again. All supporting documentation is included with the original case.

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 2016-10-07
Company: SLM CORPORATION
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My daughter neglected to pay her first three months of her SallieMae student loans that I had co-signed on. Once I became aware of this I immediately called SallieMae to pay the delinquent loans in full and pay them forward until XX/XX/XXXX. My credit score has been between XXXX-XXXX for the past 15 years. The delinquent loans ruined my credit, my score is XXXX. I am trying to refinance my home to consolidate these loans at a 3.6 % interest rate, rather than the 9 % current loan rate with SallieMae. I contacted them on XX/XX/XXXX asking them to send my Credit Union a letter on their letterhead explaining that I immediately paid the delinquent loans off and forward till XX/XX/XXXX and to note that they were in XXXX rather than XXXX, delinquent status. They told me that they would be mailing this out to me the following week. I was shocked that it could not be e-mailed to me and that I would have to wait for it to be 'snail mailed! '' They apologized for the inconvenience but would not email it to me. I made the request over the phone on XX/XX/XXXX, on XX/XX/XXXX I called SallieMea to ask if it had been sent and they said it went out on XX/XX/XXXX, 12 days after my request! This absurd " snail mail '' delay is holding up my opportunity to do a rapid reassessment of my credit score and re-finance my home. I called them again to ask if they would remove the delinquent payments from my records ( because I had paid them immediately once I found out they were delinquent, and paid them up until XX/XX/XXXX ). The customer service agent with SallieMae told me to write a letter and send it to them via the postal service i.e. " snail mail '' then they would have up to 30 days to reply! This is completely unacceptable customer service! I have no recourse but to do this and wait? What if they deny the request? Then I will have waited six weeks ( two weeks for it to get to the appropriate person and up to XXXX to answer and send it back to me ) to see if they will approve this request? What kind of customer service is this? Why ca n't these requests be expiated by electronic correspondence? I find this antiquated and troubling. I am trying to refinance my home and repay these loans, they are slowing the process to a sloth crawl! This is unacceptable and should be changed. It is XX/XX/XXXX, we do n't do important time sensitive transactions via snail mail when we have e-mail. Please let me know how you might help. Thanks 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 2022-10-11
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been devoting my entire life for the last two years fighting with OCWEN loan servicing. They are completely and totally inept, send us letters saying they have n't received payment when the check has cleared BEFORE the date of the letter. Their call center is in XXXX, and they just have drones answering the phones reading from scripts. That is how I got into this mess in the first place, by following the instructions I was given from XXXX. That was two years ago, and I am still fighting. It should not be a full time job paying your mortgage and dealing with the mountains of incorrect and useless paperwork one receives from them. However, i refuse to give up. If I have to DIE from fighting them, I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I 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. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
On XXXX/XXXX/2016, XXXX # XXXX from Sallie Mae assisted me with applying for a lower monthly payment of XXXX, which would be automatically deducted from my account every XXXX of each month for the duration of 24 months. On XXXX/XXXX/2016, XXXX who is the account manager assigned to me had informed me that in order to avoid getting a negative report in my credit, I should apply for a forbearance. Evidently not having enough knowledge with student loans, I agreed to apply for the forbearance. Per XXXX, with a one-time payment of XXXX, my loans will be in current status instead of past due. I received a letter from Sallie Mae dated XXXX/XXXX/2016 that they were not able to process my request at this time and that my loans are not currently enrolled in the forbearance program. On XXXX/XXXX/2016, I spoke with XXXX and informed her about the letter that I had received. Per XXXX, this was a misunderstanding since her supervisor failed to approve the request. Per XXXX, she would ensure that she will submit the request to her supervisor for approval. On XXXX/XXXX/2016, I went online once again to check the status of my loan. Still, it was past due. I called Sallie Mae and spoke with XXXX that same day and was told that it was a mistake on their end and that my request for forbearance would be process at this time. Per XXXX, I should wait XXXX48 hours for the request to be processed. Today XXXX/XXXX/2016, I checked my Sallie Mae account online once again to check if my request had been processed. Yet, I got the same outcome. Loan still says that it is past due. I called Sallie Mae and spoke to a man named XXXX. Per XXXX, my request is currently being processed and should check back again this Friday. 

To summarize, I have been very dissatisfied with the service I have been receiving with Sallie Mae. I was told that I have been assigned to an account manager to further assist me with managing my account since it is past due. However, I evidently see no changes. All I wanted was to apply for a forbearance to bring my account current. Sallie Mae has been causing me, especially my father ( co-signer ) unnecessary emotional distress.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-13
Company: Account Control Technology, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
The individuals from account control technologies have spoofed the caller ID to say it is my mom. When I click on the phone number information it states the number is found in my moms work email.

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 non-monetary relief
Consumer complaint received 2016-08-12
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I never missed a payment ... never late on a payment ... constantly being charged XXXX fees ... numerous returned check fees and I 've never sent them a XXXX thing by mail ... I 've never written them a check that I can recall ... paid almost {$50.00} extra a month but it never reflected on my account balance ... the last payment I am gping to make was XXXX 's payment I believe, yet somehow, I owe them for more than just XXXX ... XXXX company with some illegal XXXX scamming going on ... if I ca n't get help from the government regarding Consumer Portfolio Services, LLC, I am hiring an attorney and taking all the federal agencies that have anything to do with business practices to XXXX XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX Removed this from my Credit Report and added it back on with out my knowledge. I have dispute this and they denied my dispute. I know have this redispute. I need to see how can I get this removed. I have not received any mail or telephone calls on this. I am really in the dark on this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2021-01-05
Company: EQUIFAX, INC.
State: LA
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:
Today was almost 60 days since I've sent dispute dated XXXX.2020 for the complaint and for Deletion of those inaccurate and unknown accounts on my credit report. But, there's no response yet. I'm a victim of Equifax Data Breach and it cause to me a lot of stress. I demand to REMOVE all that inaccurate and unknown accounts on my credit report. Or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Zakheim Law Group, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX a garnishment in the amount of {$2500.00} was placed on my checking account by Zakheim & Lavrar XXXX XXXX, Florida for a debt owed to XXXX Bank. Zakheim & Lavrar claims to have sent XXXX documents to my residence warning me of an impending garnishment. We received neither of these letters. If we did we would have immediately paid off the debt. We were n't made aware of the garnishment until after we tried using our debit card and it was declined. After contacting the bank and learning where the garnishment was from we immediately drew a tellers check for the amount owed and mailed it. Zakheim and Lavrar received the check on XXXX XXXX. We asked when the hold would be released and they said between 7-10 business days. After 10 days we checked and the hold was still on our account. We contacted them and they informed us that they mailed out a Dissolved Writ of Garnishment to the court and our bank on the XXXX. We waited 5 days and the hold was still on. We contacted them again and they stated that they had mailed the Writ on the XXXX, and again that day, the XXXX. After contacting both our bank and the court today we learned that neither have received any documents regarding our case. The court informed us that the document needs to be sent via XXXX, the way the original documents to place the hold were sent, and to date, they have received nothing from Zakheim and Lavrar. We feel that we are being directly lied to by Zakheim and Lavrar and they are doing nothing to resolve our issue. From the beginning they have been giving us erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: SUNTRUST BANKS, INC.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
SunTrust Bank received a payoff on a consumer loan for a double wide mobile home in my name and my wife 's name and instead of sending us the title they filed a lien in the name of XXXX bank and forwarded the title to XXXX bank whose sole role was to issue a check for us. XXXX Bank has no financial interest in our loan on our double wide trailer. Additionally XXXX bank is unable to deliver the title to us as they do not seem to have it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation