BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple inquiries that I dont recognize on my credit report. Please investigate this issue. These inquires I did not authorized. This is improper use of my information and Its damaging my financial reputation. If there is no evidence to suggest or verify it was me, please remove 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 explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX account on my credit report shows my old account was closed after a settlement, I did not do any settlement. I paid in full when I closed my account. 
I sent XXXX  the letter from XXXX, where its says this account will be considered paid in full I paid a total of {$160.00} on XXXX XX/XX/2021 I spoke with XXXX at XXXX XXXX department ( her team number is XXXX ) on XXXX XX/XX/2021 XXXX from XXXX customer service documented on my account ********** I also called XXXX  several times, sent them all the documents they need, they are still putting account was closed in a settlement which is not correct. 
Please help me to remove this from my credit report. 
I hope you understand. 
Thank you. 
Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 with The Fair Credit Reporter Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your 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 2022-04-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple inquiries that I dont recognize on my credit report. Please investigate this issue. These inquires I did not authorized. This is improper use of my information and Its damaging my financial reputation. If there is no evidence to suggest or verify it was me, please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My last car got repossessed after I lost my job and now I have a outstanding balance due and a negative impact on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX 2014 I have my mortgage service by OCWEN LOAN SERVICING LLC . When I went to file my taxes I find out that I did n't received a mortgage interest from OCWEN, so I called them and provided them the account # from my statement and they keep telling me that the account number does not exist and so is the property address, I called XXXX times and thats all I here from them and they do n't seems to help me out. I feel so frustrated and the fact that I have XXXX weeks from the deadline for filing my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a old mortgage loan showing up on some title work on a property I am trying to sell. The loan was originally GMAC mortgage company which is a defunct mortgage company now. The property securing this mortgage was lost in a foreclosure and sold, the debt was discharged in a Chapter XXXX bankruptcy. In the research I have done Ocwen Loan Servicing has taking over for GMAC Mortgage company but I have tried contacting them via email and regular mail and have not received any return communication from them. This lien needs to be released so the sale can go through. My only recourse as of now is to file a " quite title '' law suit which could take a couple of months and cost thousands of dollars in attorney fees. There has to be a way I can get a executed lien release on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Lyons, Doughty & Veldhuis, PC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, a credit card account was opened using my name with XXXX XXXX, and accumulated debt was developed totaling over {$10000.00}. I never received any information from the bank, but a Writ of Summons by a collecting agency for a court appearance of XX/XX/XXXX, at the XXXX XXXX XXXX ( Maryland ). 
Identity theft is evident because there were XXXX transactions described by the collection agency in XX/XX/XXXX, in XXXX XXXX, Nevada, while I was in XXXX XXXX  practice as a XXXX  in Maryland. 
I contacted the FTC, the police, the bank, the collection agency. No information on bank statements, which I requested, was provided because the litigation creates a freeze pending trial. 
I would appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2020 I recieved an inquiry on my report from XXXX XXXX on behalf of experian business cred. I disputed it with XXXX XXXX in which they removed the inquiry from my XXXX  however this inquiry is still on my experian steming from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
XXXX has fraudulently continued to service a mortgage loan and they were supposed to cease all mortgage activity in XXXX XXXX, but XXXX XXXX my title was changed out of my name into XXXX and XXXX Bank without my knowledge and on XXXX/XXXX/XXXX the title was vacated and was supposed to be changed back in my name and it is still not in my name name. I should have my home free and clear and my title free and clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: MA
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 with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX ( Finance ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-07-24
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
To : Trustee XXXX I am stating I sent XXXX XXXX XXXX, XXXX a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and XXXX responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Computer Credit, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX did not bill my insurance properly and after numerous attempts my not only me, but my insurance company to resolve the debt, they referred me to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing. Where do I begin? I have been harassed by Ocwen from the duration of when they began servicing my loan. Actually I would say they are a dis-service, not a service. Recently they have started harassing me about my payment. I have made my payment on the XXXX of the month for over 5 years. I have NEVER missed a payment, yet I continue to get harassed by Ocwen. Additionally I have never been 30 days late on my payment. This even as they could not determine what my actual payment was/is as they continue to mess my loan payment up. XX/XX/XXXX I received a letter from them every week with a new payment amount. They could not get my escrow amount correct or figure out if my rate was increasing and to what amount. Yes I am on an ARM. I spent long hours on the phone trying to find a resolution with Ocwen.This loan was my first mortgage loan I got back XX/XX/XXXX. The property secured by the loan is now an investment property. Unlike many others I have been fortunate and been able to maintain this property and not let it go into foreclosure during the credit crisis. I am in the mortgage business so I understand how everything works. I have been a mortgage professional dating back to XX/XX/XXXX and like many others endured several hard times. I am currently a VP at another Mortgage Company. I would tell anyone that listens that Ocwen Loan Servicing is one of the most unprofessional companies I have ever dealt with. Do whatever you can to ensure your loan is NOT serviced by them, but their service is more of a dis-service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Financial sent me XXXX XXXX forms. The corrected one states only $ XXXX+ in interest paid, the other states $ XXXX+ interest paid in XX/XX/XXXX. In XX/XX/XXXX, we paid $ XXXX+ in interest. The customer service reps at Ocwen contend that I should add the XXXX figures, however, the corrected one is the actual XXXX used by the IRS, hence " corrected ''. They are unable to give me a loan amortization schedule for reconciliation purposes, furthermore if we add XXXX XXXX forms, we will outstrip interest paid in XX/XX/XXXX. How is this possible when the interest rate is fixed, is n't the interest paid decreasing in value every year for fixed rates with no changes/no lates, etc ...?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: STATE FARM BANK, FSB
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days pat due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Social Finance, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I received SoFi Lending credit card in the mail and I never applied for this card, someone stole my identity and charged {$4900.00} on the card. I called SoFi right away and told them I didn't apply for the card and that this is identity theft. They told me to cut up the card and throw them away and they would freeze the account and research it. Then I placed a freeze/lock on XXXX and opened a case no one has ever got back to me. So now it's on my credit report and showing non payment for past 2 months and my credit score has gone down XXXX points because of this. Today XX/XX/XXXX I signed up for Life Lock hoping they could help me get this removed from my credit report after I paid the XXXX and signed up, they transferred me to a different department and they told me they can not help me because it happened before I signed up. So I am at a loss again. I called SoFi again and they said I never applied for a fraudulent application which no one told me to do that so I did and I still haven't got a phone call or email back. I don't understand what is happening and why i can not get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is for Bank of America, aka BoA. I am a new customer for BoA credit card. 

I set up auto pay for my credit card before the XXXX due date but still got charged for {$33.00} interest fee and {$29.00} late fee for not making full payment on the due date in the XX/XX/XXXX statement. 

I paid in full on XX/XX/XXXX when I realized that BoA auto pay did not take effect on the XX/XX/XXXX due date. 

I called BoA on XXXX and XX/XX/XXXX and they agreed to revert the late payment fee and interest fee because the autopay pay did not work in XXXX. However, only the {$29.00} late payment fee was reverted. Then I called BoA again on XX/XX/XXXX. They refused to revert the interest fee because that was a valid charge.

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 monetary relief
Consumer complaint received 2016-12-14
Company: Receivables Management Partners, LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX was paid through a private trust account ; therefore the debt was satisified. Berks Credit & Collections, XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX has bought the debt for pennies on the dollar. I sent a debt validation letter to them in which they did not respond in XXXX of 2015. They are still sending letters. I did not sign a contract with them and they continue to harass me, attempting to extort monies and committing mail fraud. I would like you to investigate this agency because they have no legal or lawful ground to stand on. 
XXXX XXXX XXXX XXXX XXXX XXXX My contact information is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-07-29
Company: Radius Global Solutions LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They company radius global solutions llc have contacted me in regards to attempt to collect a debt that I dont owe to them. 
I XXXX XXXX is the original creditor who didnt sign an documentation with Radius and have no knowledge of an account with them and dont owe them anything.

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 2022-07-23
Company: Experian Information Solutions 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:
Failed to require creditor to provide the original terms of cards/loans, failed to require creditor to provide signature on contract ( please see the attachment ) all items in the dispute results box )

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 2016-02-09
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent a wire transfer in the amount of {$6600.00} on XXXX which Ocwen continues to claim they have not received even though I have confirmation from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/19 I contacted Fifth Third Bank to gain access to my MORTGAGE account online to view and print a statement. During the course of my conversation with XXXX he advised that he would have to open a XXXX XXXX XXXX ATM card for me in order for me to have access to my mortgage account. After 4 times questioning him on why I would need an ATM card to gain access to my mortgage account and me stating " I do not want any additional accounts with 5/3 - I only want online access to my mortgage account '' did he finally withdrawal his persistence in providing me with a XXXX XXXX XXXX  ATM card and was able to give me easy instructions on how to access my mortgage account online. If I had not questioned and pursued he would have opened a XXXX without my full knowledge. He was misleading and I hope 5/3 does not have a practice in opening accounts when the consumer is not aware and it is not their intent however, based on this interaction I believe they are doing this regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: MI
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 with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX # # # # # # XXXX, XXXX XXXX # # # # # # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  CHAPTER XXXX BANKRUPTCY has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-23
Company: EQUIFAX, INC.
State: NC
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:
Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

I have included the following information : Copy of my photo ID Proof of current address Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. 


Under the Fair Credit Reporting Act, you have 30 daysto resolve a dispute. If the item can not be verified by the creditor within the time frame, it MUST BE be removed from the report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
All accounts that were charged off and then paid in full or a settlement was reach should be deleted off all my credit reports. The creditors mentioned that after successfully making the payment to reduce the balance to zero, the accounts would be delete from my credit reports.

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