BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: CA
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  XXXX, Acct # XXXX. Opened XX/XX/2013 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 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2021-01-13
Company: Credit Control, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I did a settlement offer with CREDIT CONTROL LLC for a XXXX XXXX credit card on XX/XX/2020. The account was suppose to be removed from all 3 Bureaus and was not and has not!

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 2017-02-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was served a summons for foreclosure from my mortgage company on or about XXXX XXXX, XXXX. I was never sent any notice prior to recieving this summons. This violates XXXX XXXX the Fair Foreclosure Act which requires a creditor to notify in writting 30 days prior to filing for foreclosure relief. It must include a list of financial resources that may help the debtor. No such document was ever sent, certified mail or any other source. I recieved a modification Executed XXXX XXXX, XXXX. After it was executed, i recieved an interest change statement that lowers my interest rate consiiderably. The creditor failed to adhere to this. The statement referebced XXXX XXXX guidelines. XXXX XXXX doe n't own the loan. XXXX does n't own the loan. I was never told what type of loan it was. I asked every two months to have a forebearance, they told me they do n't offer that. If they would have after XXXX or 4 months, i would n't be here. They volated several federal and state laws. They never had their signature notarized or witnessed where it states on the modification it must be witnessed and notarized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
An account using my personal information was created with a consumer company called XXXX XXXX through the Comenity Bank. The charges have shown up as delinquent on my credit report since XX/XX/XXXX. My credit score shows an account made with XXXX XXXX under my name on XX/XX/XXXX. There are several charges shown on my credit report including : balances of {$59.00} on XX/XX/XXXX ; {$120.00} on XX/XX/XXXX, {$170.00} on XX/XX/XXXX, and {$210.00} on XX/XX/XXXX. These are listed as delinquent charges on my credit score. 

I believe this to be identity theft because I contacted Comenity Bank and they found an account made with my personal information including my name and home address, which I did not make. A phone number which does not match my personal number was listed in the account. Comenity Bank did open an investigation on the account. 

My personal banking company, XXXX XXXX, also filed a dispute but recommended I submit a fraud claim with the FTC as well. I would like these charges to be absolved as these charges have negatively effected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
An apartment complex has sold a debt to Hunter Warfield in my name. However, I was never legally responsible for the apartment, I never signed a lease or any other legal document ; or entered into a verbal contract. While I stayed at the address temporarily, I am not responsible for the outstanding balance. They obtained my information from mail that was sent to the address. There is an individual responsible and that information has been given to the original creditor and Hunter Warfield. Both XXXX and XXXX consider the debt verified, however I know that there is no legal connection between myself and the debt, and they will not provide me with this verification. The reporting agencies and Hunter Warfield refuse to remove the account from my report and my next step is legal action, Plain and simple ; This debt is not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/2016 I received a notice from Convergent collection agency stating I owe XXXX {$190.00}. I do not owe that debt and have received a statement from XXXX stating No Payment Due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I did a settlement offer with XXXX XXXX XXXX for a Navy Federal credit card on XX/XX/2020. The account was suppose to be removed from all 3 Bureaus and was not and has not!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I recieved a notice from a collection agency that I owed {$12000.00} for breaking my lease with an apartment complex. I am XXXX XXXX XXXX and have not lived in an apartment for 40 years. The collection agency sent me a copy of my name and address and signature. While the address was correct the signature did not come close to matching mine. I sent them a number of papers with my notarized signature on it telling them it was not my signature. They sent me a letter requesting a copy of my drivers license and social security card which I felt was not appropriate. They then sent a letter denying my claim and posted this debt on my credit rating with various agencies. I have 45 years of a blemish free credit that has now been damaged by a company that has no idea what they are doing. The company name is Hunter Warfield, XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested to do a verification and validation of this debt with a Photo copy of my identification or SS. They have not given me what I have ask for on numerous occasions. I am requesting to be deleted due to not be able to verify the information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Experian Information Solutions Inc.
State: AR
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:
During XXXX of this year I reviewed a copy of my credit report and noticed several fraudulent accounts reporting that were related directly to identity theft. I immediately reached out to my local authorities who advised I needed to submit an identity theft report to the credit bureaus. During this week of XXXX, I reached out to XXXX, Experian, and XXXX to notify them of the situation via phone direct mail of the fraudulent accounts that were displaying on my credit file. Since, it has been over 30 days and yet have not received any correspondence from Experian in regards to my complaint. In addition with my identity theft report that was sent, I was sure to include a copy of my drivers license, social security card, and a utility bill in my name. I also included a list of the fraudulent addresses ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) as well as the accounts 1. XXXX # XXXX, 2. XXXX # XXXX, 3.XXXX  XXXX XXXX # XXXX, 4. XXXX # XXXX, 5. XXXX XXXX # XXXX. Under the Fair Credit Reporting Act Experian has not provided on accurate verification whatsoever. In fact Experian has not even responding to my dispute therfore must remove the following fraudulent accounts with it being over 30 days as per the Fair Credit Reporting Act. In addition Experian has Failed to block the fraudulent accounts as per section 605b. My consumer rights have and continue to be violated per sections 609 & 611 with Experian not being able to provide any sufficient documentation obligating me to these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX stole my identity in XXXX, Tn to work, open bank accounts, driver license, social security card, cars and houses in XXXX, XXXX and XXXX Tn XXXX On XX/XX/2022 using social security number to open Bank of America saving and check a account, job, driver license and fraudulent accounts in XXXX, Tn

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 2015-03-30
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the last 8 years I 've been making bi weekly payments exceeding my monthly amount, and when i started i had paid ahead towards my mortgage. Approximately 3 years ago my mortgage was transferred to Ocwen. Early on I started noticing issues with the new servicer. I called and explained what I was doing ( I have had no luck talking to an XXXX call center ). They said that they did n't understand and that payments are due on a certain date, I explained I understood however my method I 'm paying ahead. They would n't accept that. They are holding/suspending my payments at their leisure not applying it to my loan and I 'm losing financially, as they are still applying interest at a rate that is not correct. I 'm getting threating letter that I 'm behind, it has called distrust with my wife if I 'm actually paying the bill, all while I 'm in fact trying to pay ahead on my loan and never has been an issue until the loan was transferred. I understand that loans can get transferred, however I have been paying my account faithfully ( ahead of time ) since I 've purchased my home. Now with the current creditor, i have contacted them many times, i even asked them to look into my situation, and they never responded through phone and only sent me some confusing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Late fee

Complaint:
I am Bank of America account holder who also has XXXX credit cards with Bank of America. I recently obtained a BankAmericard Cash Rewards card which was linked directly to my BoA online banking account. As I typically pay all my credit cards through the online system, I assumed this would be case with my cash rewards card. Not so. When I clicked on the 'make payment ' button, I was taken taken to the bill pay center but could not see my Cash rewards card listed with my other cards. There were no instructions on how to add a card. I 'd also signed up to ebilling but did not receive the bill through my email. As I was busy, I did not continue trying to figure it out until my payment was past due and was issued a {$25.00} late fee. I then called BankAmericard Cash Rewards card 800 number and the operator informed me that in order to register the card, I had to add Bank of America credit card as a company in the 'manage pay to accounts ' section. This is completely illogical. I am already in the Bank of America website and I am trying to pay them. There are no clear instructions on this page on how to do this and I do not believe a reasonable person would be able to determine that you had add Bank of America as a company in the bill pay center. Furthermore, I have XXXX existing credit cards with BoA that as far as I can remember did not ask me to do this. I also did not receive an ebill nor a written bill. This leads me to believe XXXX things. XXXX, this could be either be a deceptive practice by BankAmericard Cash Rewards to increase the likelihood of first time users incurring a fine because that can not easily determine how to make payment. Or XXXX, it could also just be very poor user experience design. Either way it is leading to unfair fees being levied on BoA customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Even though I have been sending, and company acknowledging my receipt of, a loan modification application since XX/XX/XXXX, they just now are saying it was assigned to underwriting on XX/XX/XXXX. Now all 3 of my unpaid months are being reported as late all the time they have been in receipt of my application. No response to ANY emails ... how can a company just ignore people like that? When they " reach out '' to us it's an automated message telling us to call back ... to be on hold for more than an hour just for them to ask for money but no answers to the loan modification. This is the worst loan servicing agency I have ever dealt with.

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 2016-11-21
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My bank assisted a fraud against me. I went to my bank with a check from a new customer. I told the teller, XXXX, I do n't want anything to do with the money written on this check until it clears their bank. She said, '' Ok. It should clear in 24 hrs. '' I left the bank and returned 3 days later. XXXX was my teller again and she said to me, " The check has cleared. You can withdraw the funds. '' And I did. Two weeks later I went to the bank for another transaction. XXXX saw me and came over upset and said, '' That check you gave me a couple of weeks ago, it was a bad check. '' I reminded her that she assured me it had cleared their bank. She said, '' I know, but I did n't key it in. I should have keyed it in. I 'm sorry. You need to give the money back. '' I was very upset and told her it was gone. I trusted her to tell me the truth that it cleared their bank. I walked out. I wrote letters to the XXXX and to the bank to no avail. This was all recorded on their cameras. Then, I was told I had an unpaid debt on my credit report. When I looked at my credit reports the bank has reported it as an overdraft oper (? ). I disputed it with the credit report agencies and told them how I was deceived by the bank teller into believing the check had cleared and how XXXX had admitted she did n't follow procedure, but they wo n't remove it. It is marked as dispute and that 's all.

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 2021-01-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received an alert on XX/XX/XXXX from XXXX  that there was an update to an credit card account on Equifax. The comment on the account read, " Collection account. Affected by natural disaster. Variable/Adjustable rate ''. I immediately called the credit card company and they assured me that there is nothing on my account that would warrant that comment. Also, that they did not send any comments of that nature to the credit bureau. For the past week and a half, I have been contacting Equifax. Every time, I am told that the system is down or experiencing a system update. That I have to call back in an hour, two hours, or the next day. On XX/XX/XXXX, I spoke to a representative and she informed me that as soon as she was about to submit the dispute that the system went down and call back in 30 minutes. Today I spoke to an representative at XXXX XXXX PCT and was told that I had to call back in two hours because the system is experiencing an update. This comment is negatively affecting my credit as it stating that my account is with a collections company. Of course, there are no collections on my report but it seems as if the credit card has been sent to one. This account has never been late nor placed in any type of program for any natural disaster or anything of that nature. Also, you can not submit a dispute online because when you get to the end and are ready to submit, the system is " experiencing an error '' and it can not be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am presently working to refinance my XXXX Mortgage and in the process it has come to my attention that my servicer ( OCWEN ) seems to employ a potentially unfair and deceptive practice when it comes to managing my escrow deposit. I was asked by the prospective lender to provide proof that the taxes were paid. I was embarrassed to learn that despite having the funds meant to pay for the taxes taken out of my escrow account on the XXXX of XXXX, the County Tax Collector has yet to receive the funds. As a result I can not substantiate that the taxes have been paid as of this writing. While the tax payment will not be delinquent until the XXXX of XXXX, I am out the funds and the taxes have not been paid. I assume the funds are sitting in the servicer 's transit account waiting to be paid and have been for at least 10 days. I phoned Ocwen this morning and spoke with the Call Center in XXXX and they informed me that the funds were sent electronically and they will research the matter. 

FURTHER HISTORY : Remember the funds were withdrawn from my escrow account on the XX/XX/XXXX. I spoke with the County Tax Collector today XX/XX/XXXX, and they informed me that my current payment remained due. Further, last year the County collected the tax payment from the servicer 2 days before the penalty free due date XX/XX/XXXX. Out of curiosity I traced the payment history back to the servicer statements covering my escrow account, which are available to me on the website and they show the money came out of my escrow account a full month before it was remitted to the County in XX/XX/XXXX. Presumably Ocwen saved some interest expense by taking the funds early and remitting them at the last minute.. 
The tax division here in XXXX County indicated that over the past few years my servicers habit has been to pay 2 to 4 days before the penalty free due date. While the servicer changed in the last couple of years from XXXX XXXX to Ocwen I can say for certain that Ocwen removes the money from my account well in advance ( 30 days ) of paying the funds to the County. 
This is very interesting and it appears that they have a systemic process which allows them to remove funds from the customer impairing the customer 's flexibility and taking away 30 days interest at the same time. While this may be a small amount of interest to any XXXX customer it would seem to add up to a big cost savings to Ocwen. 
For purposes of closing my refinance transaction it may end up that I will be delayed or have to pay the taxes out of pocket to close the transaction. I have an interest rate lock that will soon expire, and it may end up that I am forced to pay the taxes twice to preserve the substantial value of the rate lock. 
I was surprised to learn this, but at the same time would expect that this is a practice that is engaged in on a wide scale by many servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS ON MY CREDIT THAT I HAVE NO KNOWLEDGE OF. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. AS A INNOCENT VICTIM OF IDENTITY THEFT, I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

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