BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I noticed information that is inaccurate and should be removed.

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 2020-04-14
Company: MARINER FINANCE, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ive attempted to contact XXXX XXXX XXXX in the past to dispute debt or due a pay to remove due the fact I dont have a contract to pay them anything nor do I know that person finance company sold a debt to them in order for them collect and Im not sure how XXXX XXXX XXXX found where I lived at when I moved away to a new address I never gave a forwarding address to them nor does XXXX XXXX XXXX have the actual copy of a statement from personal finance company other than they probably got a computer printout from somewhere in order to act like they had the actual contract when they dont since they dont live in XXXX  IL also they tried to an unauthorized credit check without my permission in order to further damage my credit I just want this removed from the credit bureaus they have caused me a lot of financial health problems

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 2017-10-26
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: Account information incorrect

Complaint:
XXXX Bank XXXX XXXX accounts reported past due. Account reported open XXXX with a balance of {$5500.00} is not my account, my XXXX account is a different number and is paid in full and not delinquent. Has since been closed at consumer request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing Inc. keeps trying to collect a debt from me that is not mine and was not authorized by me to open and account and I don't live at the residence where the cable was installed at. I have asked them to remove me from collections and remove the credit reporting from all 3 credit bureaus as the debt is not mine and it was not authorized by me. Please have them remove this ASAP

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 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report as this is a violation of my consumer protection protection rights.

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 2023-01-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX OF CREDIT PAID IN FULL ON XX/XX/XXXX VIA XXXX WIRE  TRANSFER. 
FOR WHATEVER REASON XXXX  DID NOT POST THE PAYOFF TILL XX/XX/XXXX. 
PROOF OF WIRE IS ATTACHED TO SEE FOR YOURSELF. 
DUE TO THEIR XXXX IN NOT PAYING OFF THE LOAN WHEN THE WIRE FOR THE PAYOFF WAS RECEIVED ON XX/XX/XXXX I WAS NOTIFIED THAT I WAS REPORTED AS XXXX DAYS DELINQUENT FOR THE XX/XX/XXXX. 

THIS HAS CAUSED ME IRRERAPABLE DAMAGE TO MY CREDIT. 
I HAD CREDITORS CLOSE SOME OF MY ACCOUNTS. 
I HAVE IMPECCABLE CREDIT IN MY XXXX YEARS OF CREDIT HISTORY. 

I REALLY NEED HELP ON THIS AS I CANT GET THIS TO BE CORRECTED AND MADE RIGHT. THIS IS VERY UPSETTING TO SAY THE LEAST AND TIME CONSUMING REMOVE THE INCORRECT CREDIT REPORT BUREAN DELINQUENCY REPORTED FOR XX/XX/XXXX : NEED XXXX TO REIMBURSE ME FOR ALL THE DAMAGE DONE BY THEIR XXXX VIA SOME KIND OF SETTLEMENT ON THIS. 

PLASE FURTHER ADVISE WHERE I SHOULD BE SENDING ALL PROOF OF PAYMENT PLEASE ADVISE ON THIS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, INC.
State: MD
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:
EQUIFAX I HAVE HAD NUMEROUS PROBLEMS WITH EQUIFAX STARTING FROM SOMEONE PURPOSELY CHANGING THE MONTH OF MY BIRTHDATE ILLEGALLY AND REFUSING TO CHANGE IT BACK EVEN WHEN I SENT THE REQUIRED DOCUMENTATION BY EQUIFAX SEVERAL TIMES AND FINALLY HAVING TO RESORT TO ENLISTING THE AID OF THE CFPB AND NOW, THEY ARE INTERRUPTING MY LIFE PROGRESS BY GIVING INCORRECT ADVERSE INFORMATION WHENEVER I APPLY FOR CREDIT. FIRST OF ALL I HAVE APPLIED TO SEVERAL MORTGAGE COMPANIES IN A CLOSE TIME FRAME. THAT SHOULD NOT BE REPORTED AS NEGATIVE. IN APPLYING FOR CREDIT AT CERTAIN VENUES, XXXX HAS REPORTED THAT I HAVE DELINQUENCIES AND EXCESSIVE RECENT INQURIES. I HAVE BEEN TURNED DOWN FOR MINOR CREDIT FOR AS LITTLE AS XXXX FOR A CRUISE. I HAVE A XXXX SCORE WITH EQUIFAX XXXX XXXX WITH EXPERIAN AND XXXX WITH TRANSUNION I RECENTLY APPLIED FOR XXXX CREDIT FROM XXXX XXXX XXXX XXXX FOR A CAR LOAN WITH NO PROBLEM XX/XX/2019. THEY USE EQUIFAX. THIS HAS BEEN AN ONGOING PROBLEM.THIS IS THE RESULT I BELIEVE OF OUTSIDE ENTITIES, SUCH AS MEMBERS FROM A CERTAIN LODGE ENCOURAGING TAMPERING OF MY ACCOUNT. ITS THE SAME ACTIVITY PATTERN THAT I HAVE SEEN IN OTHER AREAS OF MY PROFESSIONAL LIFE. 
I HAVE TRIED TO CONTACT EQUIFAX AND I AM CONSISTENTLY DISALLOWED TO OBTAIN INFORMATION VERBALLY ABOUT MY ACCOUNT. 
I AM SO SICK OF DEALING WITH EQUIFAX. I HAVE TAKEN THEM TO COURT. I HAVE A COURT PROCEEDING WITH EQUIFAX IN XXXX AS A RESULT OF NONCOMPLIANCE. 
THEY ARE LITERALLY INTEJECTING THEIR RETALIATION INTO AREAS OF MY LIFE BECAUSE OF RETALIATION THIS IS ONIMOUS. IF THEY ALLOW OUTSIDE PEOPLE TO INFLUENCE. TAMPERING WITH SOMEONES CREDIT THIS IS A VIOLATION OF MY CIVIL RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: AMERICAN ADVISORS GROUP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got harassed by the company called XXXX on behalf of XXXX XXXX. They sent me mail from " Main Office '' at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CA XXXX. I don't know how they got my personal information and mailing address which I have never signed up for. I have been harassed by this company for so long. When I called the XXXX, the call center reps are extremely rude and unwilling to remove me from the list. It's a complete scam. Please help and prevent this company from harassing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I contacted Portfolio Recovery and stated to them after reviewing my credit report I have 2 entries on my credit report with the same account number for 2 different amounts. 

Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection Account Balance Loan Amount {$2400.00} Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Balance Loan Amount {$470.00} XX/XX/XXXX I also asked to please validate the loan in writing, and so far they have not sent me any information on the loan that I requested. Here is what I requested : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I spoke with a representative at ext. 101 from National Credit Systems about settling the debt owed by a former apartment complex where I resided. The initial settlement offer was {$850.00} and I was waiting for approval so I could clear my debt. On XXXX, I received a call stating that the offer had been refused and I now have to pay {$1300.00}. Also, they would submit documentation stating to the credit bureaus to remove the negative item. As I went to accept the offer, I asked if they could provide a statement in writing. I explained to her that I did not feel comfortable paying {$1300.00} with no documentation. The rep refused. She exclaimed that they will never send any documentation and there is no reason to even go back and forth about it. Now I am stuck with this negative remark on my credit report and no way to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: World Omni Financial Corp.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
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:
CFPB Complaint Number : XXXX This complaint is to World of Omni Toyota leasing my XXXX XXXX XXXX. 
Last year I claimed bankruptcy attended court on XX/XX/XXXX in XXXX XXXX XXXX Florida. The court discharged on XX/XX/XXXX. 
Per my attorney XXXX XXXX XXXX in XXXX XXXX Florida, they stated all credit cards which that was suppose to be the only thing I was discharging NOT my mortgage or car payment. However he stated all had to be included and monitored and after I will resume back my mortgage and car lease on my credit history. I have to state I never missed or was late paying my lease. 

After my discharge I noticed on XXXX XXXX which I get monthly to see how my credit score was. I checked in XXXX, XXXX. It was around XXXX or so and it looked as if my credit was going up a few points each month. However when I checked again XX/XX/XXXX my score dropped 60 points. I was confused and I called Toyota immediately and explained why did my score go down when I pay each month on time. They could not help me to answer the question. I later on looked at the XXXX XXXX and notice in RED that the amount of my lease was {$7200.00} appearing as it was put on my credit history as a loan and not INSTALLMENTS. 

I called Toyota several times to explain it was incorrectly submitted wrong and it made my credit utilization go up in which it caused my credit score to drop drastically. No matter what I said they were not able to help me or understand, maybe because I did understand why myself how to explain. 

I called again this year XXXX in XXXX XXXX to Toyota. After speaking to a friend that make it clear to state it was suppose to be installments not credit on my credit report. Toyota still were unable to help this situation to be fixed. 



Per my past history of years before my bankruptcy my credit report was good for many years however I was unable to continue due to sickness I had no choice to write off my credit cards have always paid on time on all my credit cards At this present time I do not have the exact dates that I called Toyota but I know they will remember this because I did call at least 5 times and I sounded familiar to them with this situation. If I need to get the dates of the actual calls I will have to go into the history of my XXXX cellphone and track the dates which is time consuming but if needed I will attempt to do so. 
Thank you very much on assistance to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a new account on XX/XX/XXXX, but I wasn't able to use the online banking or their app. It says I need to call customer service to verify my identity, and I did - the wait time was long and kept dropping my call. 

So I went to a branch to verify myself, the employee tried to call their support, but it says the online option I have is waiting, and it'll take about 2-3 days. 

So I went home and wait for about a week, I called them again, they said I need to wait and never fix my account. 

As of now, it's just showing my online access is locked.

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 2022-05-13
Company: EQUIFAX, INC.
State: TX
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 recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by Equifax, XXXX, and XXXX XXXX. The 3 credit bureaus XXXX Equifax and XXXX have failed to comply to a dispute and investigation in a timely manner. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to XXXX XXXX. 

Account Name : XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: Caliber Home Loans, Inc.
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Regarding breach of contract : On XX/XX/XXXX, I entered into a reaffirmation agreement signed by myself and the then lender XXXX, which was approved by a judge in bankruptcy court in Nebraska. The terms clearly state that as of the date of the new contract any fees were brought current and that the monthly payment included zero additional fees. XXXX allocated a separate fee for property taxes paid by them pre-agreement in XX/XX/XXXX ballooning my monthly payment from the agreed upon amount of {$480.00} to {$1000.00} per month. Subsequently XXXX sold the loan to Caliber Home Loans as of XX/XX/XXXX who inherited the terms of the reaffirmation contract, but have to date not correctly allocated the fees and additional administrative costs they have incorrectly applied. On XX/XX/XXXX a federal court judge and opposing counsel in a legal case I brought against XXXX confirmed that any amount demanded over the approved monthly payment of {$480.00} was indeed a breach of contract and that I could pursue a case in state court. I have spoken to Caliber about this breach of contract over the phone back in XX/XX/XXXX but to date they have not reconciled the account and have mis-allocated the lender advanced fees, administrative costs and deferred interest as it should conform to the reaffirmation agreement terms. Caliber is demanding over {$8000.00} in overdue fees to bring the account current by XX/XX/XXXX or face foreclosure. I was offered a loan modification by Caliber at 3.75 % interest which would have included taxes and insurance in the total monthly payment, but was unable to agree to it by their deadline of XX/XX/XXXX because the amounts listed are incorrect. I would like to have the benefit of a loan modification as I am currently unemployed. I have written Caliber requesting they have the contract reviewed by legal counsel and reconcile the amounts to reflect what they legally represent. If Caliber refuses to comply with the terms of the legal agreement then I will have to sue for breach of contract, but would prefer to set the record straight and move on with a loan modification that is based on accurate terms of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN was my loan provider in XXXX and XXXX ( loan number XXXX ). In XXXX I purchased new hazard insurance for my house. When I sent OCWEN the documents for this XXXX insurance ( price {$1200.00} ), an OCWEN representative called me to tell me that the insurance had to cover 80 % of the remaining loan amount. Thus, I adjusted the insurance with XXXX to meet OCWEN 's demand ( price {$1400.00} ). My loan was sold to XXXX in XXXX and recently my monthly premium was raised by XXXX. Thus, I went back over my loan information to determine why my rate had increased. What I found out was that OCWEN had taken XXXX the {$1200.00} payment and the {$1400.00} payment from my escrow, which were claimed to be sent in the form of Insurance Disbursement checks to XXXX ( XXXX XXXX XXXX VIRGINIA or XXXX XXXX XXXX XXXX. Interestingly, however, XXXX never received the payment from OCWEN for the {$1200.00}. Therefore, OCWEN took {$1200.00} from my escrow that was not used for insurance and never returned to me or my escrow account. What concerns me is that I believe OCWEN representatives may be doing this to many loan customers, double charging for insurance from the borrowers escrow account and only paying the insurance company once. It would be easy for you to look at some OCWEN customer loans from XXXX and determine if there are a lot of double insurance charges in this year. If there were then I believe this may be a fraudulent activity that OCWEN is involved in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: DE
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 Following companies 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 instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Allied Collection Services, Inc. (Nevada)
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ALLIED COLLECTION SERV {$2100.00} Balance updated XXXX XXXX, 2022 ALLIED COLLECTION SERV {$2800.00} Balance updated XXXX XXXX, 2022 This account was previously removed from my credit report for fraud. I was not in the country on that date. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit. Allied Collection Services , Inc 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 explanation
Consumer complaint received 2017-01-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
Contacted customer service that my statement does not contain a Minimum payment warning table that shows how long it will take to pay off the balance making only minimum payments, as well as the payment amount required to pay off the balance in 36 months. They stated they are not required to provide any such information.

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 2015-10-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am being wrongfully foreclosed on by Ocwen. They agreed to a short sale on XXXX/XXXX/2015 but OCWEN sent me the notice of trustee sale without giving me a notice of default. My Realtor XXXX XXXX XXXX has submitted several offers that OCWEN has not bothered to fully examine before declining nor they have not performed an interior BPO on the home to establish the value. They refuse to postpone the trustee sale which is scheduled on XXXX/XXXX/2015 even though I have no where to go, they have also refused to give me a moving incentive because they stated that I did not qualify BUT they never stated why I did not qualify.

Company response to consumer: Closed