BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-06
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage bank dose not report every home loan payment I made. I have made 7 payments and they only reported 3 payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing violated the XXXX XXXX XXXX laws of privacy, contacted my insurance company without my permission, paid off my homeowners insurance which was already paid n full and WAS NOT a requirement of my escrow ( real estate taxes only ) this created a double payment of my insurance, and created a deficit in my escrow. When my insurance company sent me a rebate, I contacted Ocwen, they told me to sign my insurance rebate back to them, they then illegally took this check and applied it to my principle, once again without my permission. They have so XXXX up this account in the 90 days that I have had my account with them, that I no longer have confidence in Ocwen 's competence in handling my money. I have also done research and found that this is a common illegal practice that Ocwen is doing to customers in an attempt to undernmine the consumer. This is a direct violation of the UDAAP laws designed to protect consumers. I demand that Ocwen stop acting illegally and without my consent to conduct my business. I have contacted an attorney and am ready to file a lawsuit for these outrageous and nefarious mishandling of my finances. I demand the account be returned to the original payment of {$1600.00} ( principle, interest & RE taxes ONLY ) I also demand that they pay a fine as outlined under LB and UDAAP directly to my principle, and pay me for 4 hours of my time ( $ XXXX ) IF THIS CAN NOT BE REMEDIED IMMEDIATELY I WILL SUE. I DO NOT HAVE THE TIME TO DEAL WITH THE UTTER INCOMPETENCE OF OCWEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: SYNCHRONY FINANCIAL
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 reporting act XXXX Acct. # XXXX, Acct. # XXXX, Acct. # ending in # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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:
in accordance with the fair credit reporting act.the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602A. 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 furnisg a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 
XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX : ACCOUNT # XXXXXXXX XXXX  XXXX XXXX : ACCOUNT # XXXX XXXX XXXXXXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-08-17
Company: First Associates Loan Servicing LLC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have tried paying my loan but I ca n't and I am two months behind on my loan and I called them to let them know about the payment peaks loan said ca n't you borrow the money from a family member

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My vehicle, originally financed with Capital One Auto was traded to XXXX XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015 I contacted capital one to advise of this. My concern was that a payment was due on the XXXX ... .the rep advised me that she would note the account accordingly that the payoff would be received. There were problems with paperwork, dealer placed incorrect vin on contract so I had to resign. I contacted capital one to advise and express my concern with over XXXX and to advise of the reason for the delay. The rep advised me that if the payoff was n't received by the XXXX, they would correct the account once the payoff was received. I continued to check daily and there was an overage that was due to me as well. After the payoff posted on XXXX XXXX ... I contacted Capital one again. They submitted the dispute on my behalf and it was denied. I asked why and explained what I was previously advised when contacted. There was no concern. My account was never paid late during the two years I had the loan and I would like for the XXXX to be removed from my credit report. If that was n't the case, capital one should advise their agents to provide correct information to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: NV
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:
There seems to be numerous inquires on my credit report that I did not authorize and Equifax reinserted some that they took off but reinserted them without informing me nor validating the inquiries. Equifax breach has really caused lots of consumers major fraudulent problems. I have reached out to the fraud team department of the creditors and alerted them that I did not authorize these inquiries and they stated to dispute them with Equifax which I have done so but Equifax keeps sending me a pre made letter stating they verified them when they have talked to no one regarding these unauthorized inquiries. 

The unauthorized inquiries are : XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX-XXXX   Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX-XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX 

XXXX XXXX Inquiry fromXX/XX/2020. 
XXXX XXXX-XXXX  Inquiry fromXX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXXXXXX  Inquiry from XX/XX/2020 all these inquiries are unauthorized and they need to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Prosper Marketplace, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX has a loan listed on my credit reports with XXXX and XXXX ( and possibly XXXX ), but I never took out this loan. I spoke with a call center rep on XX/XX/22, and she confirmed I do not have an account. This loan should be removed 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
Consumer complaint received 2016-05-18
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Im writing in regards to my father. He has since passed away. He sold his house to my husband and my self in XX/XX/XXXX we have been having difficulty paying our mortgage. All the paperwork that comes in regards to this is also sent in his name. Why? I have a copy of the original mortgage that show we took out he mortgage. He has since passed away from XXXX and we need to get this straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my credit score on XXXX and it says that I have a derogatory mark on my credit from XXXX for XXXX in 2013. This is my XXXX time checking my credit in a while. I have never had a XXXX account nor do I owe anyone XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I just started paying on some credit cards through portfolio recovery debt collection. They have been calling me for over a year I finally have enough money to make the minimal payments so I set them up as soon as my first payment went through I started getting Phantom debt collection calls. I think someone that works there is either selling information or they know who pays their " debts '' and is trying to get more money out of me. I think they should be looked into, it 's just kind of weird I have never had that happen before I have had the same number for years and as soon as I give in and start paying them I get 2 to 3 fake debt collection calls a day saying that I will be served with papers and threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated robocalls from Portfolio Recovery. The calls come from a different number each time so they are difficult to block. I do not even have any debts so I do n't know why they keep calling me. My number is listed on the Do Not Call List.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Portfolio Recovery is again calling my cell and violated..I requested more then once all contact should be in writing and no phone calls.Both in writing and in my complaint here as well. Please refer to my complaint XXXX.Today I received a call to my cell phone at XXXX from Portfolio Recovery.Each phone call I have received is a violation.They have also sent me another letter again admitting they can not complete an investigation.Yet they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 ) Account Name : XXXX XXXX  Account Number : XXXX 2 ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 3 ) Account Name : XXXX  Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX  XXXX Account Number : XXXX XXXX ) Account Name : XXXX  XXXX Account Number : XXXX XXXX ) Account Name : XXXX  XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: ATG Credit, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is about ATG llc, this company is horrible, and they break the law big time, I guess ATG Rep and Manger think there above the law and I'm asking CFPB to conduct and investigation into there conduct. CFPB by getting phone recordings. I told ATG that I'm the original creditor of the account and they refuse to listen. They say there representing XXXXXXXX XXXX and say they are the original creditor. This company and workers are deemed to know the law if ATG is say they follow FCRA, I am the creditor of that account, every loan, debt obligation or extension of credit is originated from from my social security number. Refer to 15 usc 1602 ( I ), so basically XXXX XXXX XXXX is using my credit and say I owe them as in XXXX XXXX. ATG is not looking out in the best interest for the people. By giving out false information 15 usc 1611. Also in violation of 15 usc 6802- ( A ) and 15 usc 1692 c ( a ) also a violation of my 13th amendment trying financial slavery my 5th amendment. Life, liberty and due process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We requested a payoff from OCWEN LOAN SERVICING LLC back in early XXXX, to payoff our mortgage, due to hearing from there collection department our mortgage is delinquent even with a payment received for XXXX. 
OCWEN informed us they do n't accept payoff request by phone, only mail or email. I explained to them we receiced a collection call for our XXXX 's payment and do n't know why because we made a payment and you cashed our check. That 's when I learned our mortgage needed to be paid in full come XXXX. 
We never received the payoff letter from them and again emailed them in late XXXX. They returned our cashed mortage payments to us for XXXX and XXXX and we still did n't receive any payoff information. 
They failed to even let us know this mortgage had to be paid in full in XXXX. We had no knowledge until last minute! We finally received a payoff figure and paid the loan in XXXX. Ocwen did send us a letter stating they would not reflect it as a late paymnent but then reported our mortgage delinquent for 251 days on our credit report. 
Our credit scores dropped to below XXXX creating an issue to obtain new employment. We, for 10 years, had always continued to pay our mortgage until the payoff was made in XXXX. We were never late and explained to them that they have cashed our payments up to the closing of XXXX. I also informed them we should have receiced at least 90 days notice prior to XXXX to inform us that this mortage had to be paid. They sent us below, the letter to me, that were n't reporting it late. But today its reflects late on all XXXX credit reports. They did send a letter stating it would n't be reported late because it was there failure to let us know and no delinquents would be reported. They have n't made any corrections. Today, we ca n't pass background checks for employment because of there errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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 with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In order to increase the privacy of my home, I allowed my uphill neighbor to build his fence 10 feet onto my property. This allowed him to plant trees and shrubs on the slope above my house to provide more privacy for him and me. I asked my mortgage company to allow us to change the legal lot line to conform to reality, I first contacted them about this change in XXXX of XXXX. They sent me two forms, form XXXX describing the change requested and Appraisal XXXX form authorizing them to send an appraiser ( at my expense ) to look at the property to see if relinquishing the land would devalue the collateral. I signed and returned the forms. They received these forms ( Return receipt requested ) on XX/XX/XXXX. They have not done anything tomove the transaction along. Apparently, they are going to send an appraiser out, but as of yet have not done so. I have called and talked to them on a weekly or semi-weekly basis for 6 months. The low-level customer service representative always assures me that they have expedited my request and that I would be contacted shortly. They tell me my " Point of Contact '' person is XXXX XXXX. I have never been able to talk to her because whenever they try to transfer my call to her I get voicemail and after leaving 4 messages during 4 weeks she has yet to call me back. I also emailed her at XXXX. She has not replied to my email. 
In the 15 to 20 calls, I have made to the company, each time leaving complete callback and email information, no one ever has contacted me about this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
PORTFOLIO RC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO RC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX F SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation