BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-04
Company: Velocity Portfolio Group
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In or around the end of XXXX, XXXX I noticed an account being reported on 2 of my 3 credit reports. I had ran my reports in XXXX, XXXX and this was not showing on any of my credit reports, now all the sudden in XX/XX/XXXX it is showing and showing a date opened of XX/XX/XXXX in the amount of {$4000.00}. I do not recognize this debt, and I do not believe this is my debt. I disputed this with the credit reporting agencies involved and with this agency as well and the company states that they have verified the debt to be accurate and belonging to myself. I then contacted the company in writing via certified, return receipt, US Mail indicating that this is false reporting and I also demanded copies of the original documents with the original signatures to verify this debt belongs to me and gave the company 30 days from the date of the letter to provide such documents. The company has failed to provide these documents and as of XX/XX/XXXX, 31 days from the date of the letter, I have not received them. I also instructed the company reporting this that if documents were not received within the 30 day time frame then they must remove this item from my credit reports. As of today, they have not done so. If this company says they can validate this debt is mine, then why was it not being reported in XX/XX/XXXX? Also, what gives this company the right to just pick and choose whenever they want to do whatever they want with someone's credit? This company needs shut down!

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 2015-05-08
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
With reference to my complaint number XXXX, Ocwen stated they had corrected their mistake and placed my account in a current status. This is a FALSE AND MISLEADING STATEMENT. See the attached screenshot of todays date. When I log into their web site, it STILL indicates that my XX/XX/XXXX payment has not been made. Additionally, the web site is trying to require me to make BOTH THE XX/XX/XXXX AND XX/XX/XXXX PAYMENTS PLUS PENALITIES PLUS A {$10.00} EXPEDITED PAYMENT FEE. I have called Ocwen and emailed BOTH the ombudsmans office and customer service, and have received NO REPLY. I believe that Ocwen is preventing me from using their web site in retribution for me filing complaints with Consumerfinance.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contact the  XXXX  on  XX/XX/2017    to report that my personal information was being used to obtain credit.. as of today the results of my request still has not been honored. I asked them to block and remove the fraudulent information and they have not done either as required

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: FinCo Services Inc DBA Current
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Current- Its an App/debit card for teens XXXX XXXX All transactions wired to a XXXX for XXXX at XXXX XXXX  XXXX at XXXX XXXX XXXX at XXXX Deposit from my XXXX sat XXXX for XXXX I cancelled that XXXX at XXXX ( all happening as I was chatting with CURRENT ) XXXX at XXXX. They also hacked in and called me from a number listed on the internet as CURRENTS contact number. They changed my account to be there phone number and their email. In fact CURRENT as of today XXXX still had their email on file and not mine even though I have changed it many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: CA
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:
Contacted FICO/Experian/XXXX  numerous times without a response. My FICO score dropped 100 points in one month with ZERO changes from prior  months. To be clear no new debt no new loans no late payments and no new credit inquiries. 

This is happening across the board with many individuals. This can not continue to happen and will only stop when accountability is put into place. 

BTW ... When did the consumer become so helpless? 

This happened XX/XX/2020.

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 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Am not working full time! Have a part time job only work XXXX hours a week! So iam not making enough money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
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:
I disputed the following accounts by mail and online with each of the bureaus. Still, none of these bureaus are reporting the disputed accounts accurately. Furthermore, addresses that do no belong to me are reflected on my reports and must be removed. 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX  says XX/XX/XXXX, Equifax says XX/XX/XXXX XXXX says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX says XX/XX/XXXX, Equifax says XX/XX/XXXX and XXXX says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX monthly payment amount, term, payment status and date last active are contradictory and inaccurate. How can each bureau be reporting completely variable information if they claim the information was verified? 

XXXX XXXX account status, monthly payment, terms, payment status, comments and date last active are completely different from each other, again, inaccurate and misleading. 

According to Fair credit reporting act, the reports should be 100 % accurate and if not, the inaccurate information must be removed. I have attempted to resolve these issues with each bureau who FAILED to comply with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have mortgage through XXXX. I also have a separate personal loan through XXXX. They were both transferred to Bayview Loan Servicing. During this transfer they listed my other loan as a second  mortgage, which it was not. I had contacted you about this before and the Mortgage was separated from the other loan. Bayview Loan has now become Community Loan Servicing LLC. They also have this separate loan listed as a second mortgage. I need some assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied twice for a mortgage modification for my Ocwen loan which I desperately needed. Both times I was told I could not get a modification because I was n't late on any payments. Both times they told me I had to be make late payments ( or no payments ) for 2 months. ( this information is on several recorded phone calls. ) As I understand it, the banks are not allowed to force you to make late payments. The third time I applied I met the criteria of being late 2 months and I was given a modification. In the interim my credit card companies all lowered my balance amount so I ended up with almost no credit for emergencies. This too pushed the score down even further. I can not imagine how long it will take me to recover my good credit. I would have qualified the firs time I applied had they not insisted that I make late of skip 2 payments. I did have an ARM. Each application I ended up with probably 6 different people as my point of contact. You can not get help over the phone. The people who answer are very difficult to understand as XXXX is their XXXX language. If you have questions, there is no one to talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX I fell behind on my mortgage. I hired an attorney to help me work with my servicer, Ditech, to ask them for assistance in saving my home. I have been in contact with my attorney the entire time and his office told me they were working on the case and it was going fine. Then in XX/XX/XXXX I received a letter from my attorney stating he could no longer assist me because he had been disbarred for mishandling my types of cases. I then contacted my servicer Ditech and they stated I was denied due to missing paperwork. I came to the conclusion that my paperwork had not been handled correctly by my attorney and basically my attorney had allowed my home to go into foreclosure with a sale date of XX/XX/XXXX. I feel I have been defrauded by my attorney who has now been disbarred for mishandling my exact type of case ( Loan Modification and foreclosure assistance ). Besides hiring a fraudulent attorney I have done nothing wrong. I am a victim and I only wish to have a chance to have my loan actually fully reviewed for assistance before being foreclosed. I have attached to this complaint a copy of my attorney 's disbarrment. Although I understand I am filing a complaint against Ditech and they are also an innocent party in this transaction, I dot feel they should just move forward with my foreclosure on XX/XX/XXXX without allowing me to go through one review before doing so. I have hired a new very experienced attorney who helped me submit a full and complete application with financials today ( XXXX/XXXX/XXXX ) to Ditech. Ditech has told me that if they did not receive my application more than 35 days prior to a sale date, they may not be able to postpone my sale date to do the review. My sale date is currently XX/XX/XXXX. However, since I was defrauded by my attorney and kept in the dark, I only ask that Ditech give me the opportunity to actually get them a full application so I can be reviewed once before they move forward with the sale of my home. My family lives in this home and we have no where to go. My hardship was a one time issue and I now have the ability to pay all of my debt if I could just be afforded a loan modification to put the arrears on the end of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Americas Car-Mart, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company COLONIAL AUTO FINANCE XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COLONIAL AUTO the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We paid monthly mortgage in XXXX installments ( XXXX payment every 2 weeks ). It was sent directly from our checking account XXXX biz days prior to due date. 
Worked great until XXXX 2016. At that time, DiTech began to send us past due notices, as their computer system was not recognizing the second payment. Despite the fact we paid mortgage plus an additional ~ {$400.00} to principle, late fees were added every month. Then Collections agencies started calling and showing up at our door. Our home was threatened with foreclosure. And yet, we had never missed a payment nor had a late payment. DiTech continues to harass us for this same issue month after month, despite many many calls to their Customer Service. Each call confirms that DiTech has received our payment on time and promises corrective action in their systems! But yet, the cycle starts again the next month. Unbelievable!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I obtained credit reports from Equifax, XXXX, and XXXX. On all 3 credit reports, I noticed a total of 14 late payments still reporting on both of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX has a policy that has been in place since XXXX surrounding approved forbearances covering and reversing any late payments obtained during that time. I reached out to XXXX via email to their Consumer Advocate Team to let them know that they were reporting late payments on my credit report that shouldn't be there according to their forbearance policy. I received a response 2 days later saying that all credit reporting information from their company is factual and I need to dispute it through the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: NV
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 complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromising of my social security number, and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: VA
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:
I have contacted these companies and advised them these charges don't belong to me, they are keeping my score down, an I cant refinance my home at the lowest rate. The company and info amounts are below. 

XXXX XXXX # XXXX {$1200.00} XXXX XXXX # XXXX {$0.00} XXXX XXXX XXXX # XXXX {$100.00} XXXX XXXX XXXX # XXXX {$100.00}

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 2016-08-11
Company: Northeast Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Robo phone call from XXXX, National Recovery Services. 
They contend there is a legal matter and I need to contact their office. I owe no one. I have no credit car debt. My credit rating is over XXXX. I want these harassing calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ONCE AGAIN, US Bank applied funds CLEARLY marked " PRINCIPAL ONLY '' to my loan interest. This is fraudulent. I have contacted them, and the CFPB on multiple occasions to rectify this issue. US Bank claims the issue is fixed, and it is not. They tell me I HAVE to use their online payment system to may a principal-only payment, which is fraudulent. They have rigged their online system to prevent easy principal-only payment, forcing me to send payment outside of their system. This is absolutely ridiculous. They should lose their license.

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 2020-10-04
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have contacted Equifax on 5 separate occasions both via phone and mail to update my credit report. Currently, neither one of my XXXX  XXXX cards are reporting to my Equifax. However, both are reporting to both XXXX   And XXXX. I have sent Equifax multiple copies of all three reports so they can update the information accordingly. I've also contacted XXXX XXXX to make sure they are sending the correct info to Equifax. XXXX XXXX has confirmed that they are sending the information, its just Equifax is not reporting the information altogether. Equifax has not been thoroughly investigating disputes and instead of investigating they have refused to acknowledge my dispute or just sent me copies of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a charge XXXX in the amount of XXXX and mailed proof of the dispute. I received a letter stating that XXXX sent them a response and so I provided more docs. They, meaning Chase, told me they never got the information, and in doing, so did not refund me of my XXXX charge from these scammers.

Company response to consumer: Closed with explanation