BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen is a Servicer on this loan. Loan # XXXX. Borrower XXXX XXXX. Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We are in the process of negotiating a short sale on the property, Ocwen presented a counter offer, I have submitted documents from the buyer accepting their counter offer at Fair Market Value. On Friday assign negotiator told me that postponement of trustee sale scheduled for XXXX/XXXX/16 has been approved and we are just waiting to find out when is TS is rescheduled for. Today Ocwen notified me that postponement has been denied. This is a double trucking and violation of CA XXXX of rights. Please help to stop TS so we can complete Short Sale. My phone number is XXXX. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I, XXXX XXXX XXXX, consumer, original creditor, in fact did not consent to, authorize nor benefit from any of the following account. There was no consent nor did anyone give permissible purpose for the account listed pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen, during the mortgage modification process ocwen has repeatedly asked for the same details over and over again. It appears they have no ability to secure and understand all the documents I have submitted several times. Each time they call me with the same question they then reschedule a follow up call several weeks later. The matter at hand is dire and the incompetence of Ocwen is preventing the modification process from moving forward at a reasonable pace to allow me an opportunity to save this property that is my home. I feel they are intentionally slow walking this so I am forced into foreclosure because no one can be this incompetent to as XXXX time the same exact question thus my only conclusion is they are dealing with me in a fraudulent manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a 15-year mortgage with Wells Fargo for nearly 6 years. I have been making bi-weekly payments towards my mortgage and extra towards the principal for most of the lifetime of the loan. I today learned that Wells Fargo has not been applying any of this extra money I have been paying towards my mortgage, but has instead been holding the partial bi-weekly payments and extra payments in an " Unapplied Funds '' bucket, which they withdraw from monthly in the amount of 1 full payment. The end result is that rather than paying my principal down more quickly, Wells Fargo has been using these " Unapplied Funds '', for free, with no benefit to me, and I will need to pay my mortgage off for longer than I thought.

In the attached mortgage statement, you can see where the payment is going to " Unapplied Funds '' rather than towards the actual mortgage.

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 2022-07-13
Company: World Omni Financial Corp.
State: SC
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 Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EGL US, LLC
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:
PLEASE SEE ATTACHED THESE ACCOUNTS : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX TO ENTER THE REQUIRED NOTICE OF DISPUTE INTO COMMENTS SECTION. 
DATE LAST ACTIVE DIFFERENT DATES AND YEARS AS WELL AS PROOF OF RE-AGING. 
CHARGE OFF ACTIVITY AFTER THE CLOSE DATE ( OR ( XXXX ) XXXX XXXX ( COLLECTION ) WITH BALANCE {$14000.00}. DATE LAST ACTIVE XX/XX/XXXX ( XXXX  ) DATE LAST ACTIVE XX/XX/XXXX ( XXXX ) XXXX SHOWING DATE LAST ACTIVE XX/XX/XXXX ( XXXX  ) DATE LAST ACTIVE XX/XX/XXXX ONE BUREAU SHOWS YOU WERE PAID ON TIME BUT ANOTHER SHOWS YOU WERE 30 DAYS LATE THERE SHOULD NOT BE LATE PAYMENTS OR CHARGEOFFS ONCE THE ACCOUNT IS CLOSED. HOW DOES THAT MAKE SENSE?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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:
PLEASE SEE ATTACHED THESE ACCOUNTS : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX TO ENTER THE REQUIRED NOTICE OF DISPUTE INTO COMMENTS SECTION. 
DATE LAST ACTIVE DIFFERENT DATES AND YEARS AS WELL AS PROOF OF RE-AGING. 
CHARGE OFF ACTIVITY AFTER THE CLOSE DATE ( OR ( XXXX ) XXXX XXXX ( COLLECTION ) WITH BALANCE {$14000.00}. DATE LAST ACTIVE XX/XX/XXXX ( EXP  ) DATE LAST ACTIVE XX/XX/XXXX ( XXXX ) XXXX SHOWING DATE LAST ACTIVE XX/XX/XXXX ( EXP ) DATE LAST ACTIVE XX/XX/XXXX ONE BUREAU SHOWS YOU WERE PAID ON TIME BUT ANOTHER SHOWS YOU WERE 30 DAYS LATE THERE SHOULD NOT BE LATE PAYMENTS OR CHARGEOFFS ONCE THE ACCOUNT IS CLOSED. HOW DOES THAT MAKE SENSE?

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 2022-03-18
Company: Experian Information Solutions Inc.
State: IN
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. As the original creditor and executor I never granted any specific company the right to contact me and they did so continuously use abusive practices. Under the Fair Debt Collection Practices Act 15 USC Section 1692 I was a victim of invasion of my privac Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 2017-01-11
Company: AmeriCash Holding LLC
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
On Tuesday XXXX XXXX I called an XXXX with a customer service representative and informed that I would n't be able to make my payment due to financial issue and I would make up the payment on my next due date which will be XXXX XXXX, 2017. The representative told me that would be fine and I should n't have anything to worry about, so on XXXX XXXX, 2017 this company attempted to take payment out of my account not once but twice after I informed that the funds would n't be available, which caused my account to go into the negatives and forced me to close my bank account. On today I spoke with a very rude representative at the customer service department, she was very rude, called me a liar and informed me that they would still attempt to take funds out of an closed account, along with contacting my references after I asked to have them removed. The rep hung up on me after requesting to speak with a manager. I also think the interest rate that they charge is absurd, ridiculous and illegal. The interest rate is at 285 % I 'm paying more than what I borrowed. I wish to not be contacted by this company again. Or I will seek legal actions!

Company response to consumer: Closed
Consumer complaint received 2020-03-19
Company: Bridgecrest Acceptance Corporation
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I have two major complaints with Bridgecrest. The first one I was essentially forced to give up on ; I had zero agency as a consumer to do anything about because of my financial situation at the time. The second has just  arisen as a result of the pandemic. 

When I was car shopping I used XXXX. I found out who they used as their loan provider ( Bridgecrest ), and I called them directly to see if I could get a better interest rate. I was told not by one, but by two employees at Bridgecrest that they offered an interest buy down program. That is- the terms stated that if you payed XXXX dollars down within the first 60 days of the loan, you could knock off a point of interest. 

Knowing this, I then bought the car from XXXX. I then called Bridgecrest to them to say I wanted to do the buy-down, and the woman just told me something like 'yeah you just have to do it on the site ', which I did. Nothing happened, at which point I called them many times. The information started to vary, they some people told me that person had given me incorrect information, and others told me that yes, indeed that program did exist. Eventually I was left powerless, after having already purchased the car. This felt like an incredibly disingenuous bait and switch, and they should have the recordings of the two or more people that told me about this program, which I asked the managers to review, to no avail. 

The last issue that has pushed me over the edge and into filing this complaint, is that I called them to discuss some sort of hardship deferral on my loan due to being laid off as a result of the pandemic, and they simply told me that they were 'considering it ' and it would not be able to take effect until I was already in delinquency. This seems like yet another bait and switch, and completely wrong and disingenuous. I have read reviews of how quickly they repossess peoples ' cars after non-payment, and I am NOT falling into that trap. I want an assurance that I can put my loan, even briefly, on pause. Not to fall into delinquency with the vague hope that they'll honor some vague promise. I do not trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: PA
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:
Investigation Request Letter To whom it may concern : I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and notice a few accounts that I wanted a little more explanation on. I am not saying that they are reporting right or wrong.I am just saying that I am not 100 percent sure if they are.I also read something the fair Reporting credit report Act where it said by law I had the right to challenge anything i am not sure is accurate.some of people reporting things on me.I have never heard of which made me write to you all Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.well, I want these accounts deleted if they are not 100 percent right and correct.so, could you please check on these and get back to me? I saw on a credit Site and Board where this lawyer said you have 30 days to complete this investigation.Please investigate the following accounts and remove them if anything is missing or not correct on them. 
I demand The following accounts be verified or removed immediately In accordance with fair credit Reporting act XXXX  XXXX Bank account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  Account # XXXX 15 U.S.C 1681section 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 furnish account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Ocwen Loan Servicing outside California attorney " XXXX XXXX '' made threats that if I did n't respond to his clients {$750000.00} none negotiable loan modification offer in less then 2 days his client would proceed with the fraudulent trustee sale that was taking place in just a couple of days. Attached is email communication. In addition, I have email communication of California attorney " XXXX XXXX '' harassing me, accusing me of never mailing off the down payment, he also accused me of never putting the pretender lender loan servicers loan number on the cashiers check. If CFPB would like a copy of that email communication just let me know. Also, I have telephone communication voice recording proving Ocwen Loan Servicing representatives enjoyed harassing me, placing my call on hold for hours then forwarding my calls to a credit card advertisement company. If CFPB would like a hardcopy of all Ocwen telephone communication please let me know, I will put it on a disk send it off to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i requested a loan modification in XXXX 2013. I was put on a 3 month trial, made all 3 payments on time and was told it would be approved. Then in XX/XX/XXXX, I was told that Ocwen did not receive approval from the Bankruptcy court for this modification so it was denied. I have paperwork showing it was approved. Ocwen then modified the terms of my loan without my knowledge, back-dated the paperwork to XX/XX/XXXX and sent me my contract that they signed in XX/XX/XXXX but I signed in XX/XX/XXXX. My escrow was at a negative balance at this point, they never applied any of my payments to my escrow for XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and are telling me I am delinquent. I have a letter from the Office of the Consumer Ombudsman stating they were going to advance my mortgage two contractual payments to bring me current and i am now being told it will only be one month and I am still delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
i tired a few times to get this removed of my credit report when its showing closed account.. account number XXXX amount is {$660.00} the company is XXXX XXXX the dates is from XXXX XX/XX/2022 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 2016-10-13
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX my then husband and I ended up foreclosing on our home. Our last payments made to the mortgage lenders was XX/XX/XXXX. Once we left the property we received nothing further from any of the Mortgage lenders. Credit reports pulled XX/XX/XXXX showed ALL mortgage accounts as 'closed '. I have these reports. XX/XX/XXXX, well past the Colorado statue of limitations ( 6 years ) I was being sued by XXXX, XXXX, Assignee of XXXX XXXX XXXX XXXX , XXXX. I disputed the claims and now have a Judgement on my credit! The original loan debt was for $ XXXX. The judgement is for $ XXXX!! I have been back and forth with XXXX XXXX whom have just informed me that this is NOT their case and that it is in fact GMAC. Whom purchased the loan from XXXX XXXX back in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was XXXX of the unlucky homeowners whose mortgage was sold to Ocwen Loan Servicing when GMAC filed for bankruptcy. Since then, I 've had constant escrow shortages. Last year, I asked Ocwen if my taxes and homeowner 's insurance could be taken out of escrow, so I would n't have to pay for a so-called shortage, or a cushion. My request was denied. After receiving yet another shortage notice this spring, I decided to switch my car insurance from XXXX to XXXX XXXX, who insures my home, and this resulted in an approximately {$600.00} drop in the cost of my homeowner 's insurance. 
I then received yet another escrow analysis from Ocwen, stating that my anticipated escrow payments for the next year total {$2600.00}. My property taxes are {$730.00}, my homeowner 's insurance is about {$1200.00} - Ocwen is basing estimated payments on the OLD insurance premium of {$1800.00}. 
I again requested that my escrow account be closed. I want to pay what 's due. I do n't want to pay an estimated amount, or give Ocwen an interest-free loan to pay their XXXX dollars in fines. The denial letter just arrived ; I was denied due to " investor requirements. '' I am done dealing with this company and their incompetent overseas customer service. One of their reps said to me, " That shortage is only costing you about {$50.00} a month. '' I do n't care. That 's a tank of gas, or a few weeks worth of groceries. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: BOEING EMPLOYEES CREDIT UNION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email congratulating me on opening my new checking and savings accounts for BECU. I never opened an account there and do not live in that state. 
this account was also opened under a false last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I am writing to you to report on the negative accounts that are wrongly placed under my name. These accounts are unverified and are looking suspicious. I have tried informing the bureaus about them but they did not act on my letter of complaints.

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