BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX- collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it.

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 2016-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a Foreclosure & a Bankruptcy on my credit report. The foreclosure has not been foreclosed and probably never will because it is fraudulent. The Bankruptcy was caused as a result of the fraudulent foreclosure. I am consulting with attorneys to start a damage claim lawsuit against the mortgage co. I believe these items should be removed from my Credit File and Reports due to the fraud charge. These circumstances have caused a very negative impact on my credit and life.

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 2016-03-13
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We paid our mortgage payment due on XXXX XXXX, 2016 as we always do ON TIME. 
Ditech Financial applied XXXX payments directly to Principal instead of the payment due. 
They have reported us as late to the Credit Bureau for the XXXX bill that was paid on time. We have called three times to get this rectified and they have not fixed the issue and reported us as delinquent on our credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had a chapter XXXX bankruptcy that I was discharged from in XXXX of 2015. I have XXXX mortgages that are serviced by Ditech, loan # s XXXX and XXXX. Ditech continues to report my accounts as in Bankruptcy and has been appling additional payments to principal made during the bankruptcy period and since my release to future payments, instead of reducing my outstanding loan amount. I have contacted Ditech numerous times and have provided requested documentation and they have yet corrected either item. The process of correcting these items has cost me a tremendous amount of time and continues to affect my credit rating, my ability to refinance these variable rate loans and cost me additional interest expense due to the improper allocation of principal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was attempting to have a debt disputed on my recent credit report. I called the reporting debt collector ( Debt Recovery Solutions ) to find out what the debt was. The only information they would give me was that it was an ambulance company and it was a debt from 2011. There was indeed a ambulance ride in 2011 but it was covered by insurance. The bills were going to the wrong address according to the debt collector but they would not provide me with the name or phone number of the ambulance service. I asked to speak to a supervisor because I knew that they had to provide me this information by law. I was hung up on. I called back XXXX more times and I was hung up on. XXXX is disputing this for me but it could take up to 30 days. I am in the middle of securing loans for a new business. My credit score dropped from XXXX to XXXX the day this debt hit my credit report. ( Yesterday ) If I had the name of the ambulance service I could resubmit the insurance and have it taken care of. But Debt Recovery Solutions apparently want me to take care of the debt in order to collect their money. This is going to ruin any chances I have of securing the loans that I could have when my score was XXXX and did not show I have a delinquent account over 4 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Financial LLC XXXX informed me by letter on XXXX XXXX 2016 that my XXXX 2016 mortgage payment received XXXX 2016 was returned unpaid. 
In fact, my payment are all made electronically from my checking account. All payment XXXX, XXXX and XXXX were made and all cashed by Ditech according to my Bank. My Bank account statements all show all payments to Ditech made and cashed and no returns. Since XXXX to date XXXX 2016, I have provided Ditech with faxed images of all the checks they cashed and my bank statements reflecting my good faith payments and no returns by Ditech. To date, this issue is unresolved and I am begin to suspect a mortgage scam possibility of an artificially created late payment by Ditech Financial LLC. My Ditech Mortgage Company monthly statement show no such problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had a student loan with XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX..and a " paid coll '' with XXXX. 

This week when my report was pulled the XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 ( a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Hello My wife and I filed bankruptcy and have been out bankruptcy for over a year now. However our loan on or Mortgage being serviced by Select Portfolio Servicing says the following : " Our records indicate that your obligation has either been discharged or is subject to an automatic stay order the United States Bankruptcy Code. Even though your personal liability on the note may be discharged or subject to an automatic stay, the terms of the mortgage remain in effect and the owner of the mortgage, as a lien holder, continues to have a lien on the real property. '' After repeated calls to SPS they told us that we needed to re-affirmation letter while we were in bankruptcy in order to change the status of our lien. 
For the last year we were unaware that SPS and previous Mortgage servicing company XXXX bank had kept us in this protected category. Basically keeping us in their " debt collection status '' Both XXXX and SPS when we called for assistance have said on their recording " you have reached the debt collecting department attempting to collect a debt '' When we called SPS our current servicing company they said " We will always be in the debt collection status because we needed to have a " Re-affirmation letter of debt while we were in bankruptcy '' within the last 12 months of making payments on our mortgage they have not recorded any of the payments to the credit agencies and this has caused issues for our credit reports as well as wanting to refinance our loan. We are current on our loan and all payments. 

From our Bankruptcy lawyer : Hi. 
It is a total lie that assistance on a mortgage is linked to re-affirmation. In fact, the federal regulations preclude this. 
To refresh your memory we do n't re-affirm mortgages. Only personal property ( a car, a boat etc ) is subject to re-affirmation. In fact, some Judges have suggested that re-affirming a mortgage is malpractice if supported by an attorney. 

What we do with mortgages ( and you DID DO ) is file a Statement of Intention to retain the property ( pay ). This should be in with your records and can also be pulled from the bankruptcy court 's electronic website. 

If you are having this trouble I strongly suggest that you file a complaint with the federal cfpb. It is super easy and done entirely online. The mortgage company ( or more likely the assigned rep ) is just taking a bogus position in so far as what you are relaying. 
XXXX We are looking for help and hope that your department can place pressure on Select Portfolio Servicing , Inc to follow the rule of law. 
We are tired of receiving bogus and inflammatory mailing every couple of weeks from them keeping us in the " debt collection department '' and ruining our credit. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
HI! My mortgage was taken over by XXXX bank a couple months back. 
But my mortgage still shows payments due to Owcen mortgage company which is not correct, I only owe money to XXXX for the house at XXXX XXXX XXXX, XXXX XXXX XXXX, New JerseyThis has caused my credit score to drop XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: BB&T CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a consumer car loan ( truck ) that has not been conventional by any sense of the word. Currently my loan is coming to an end ( 3 payments remain ) and for the past 2 years I have tried to get this corrected with little result. Like most normal car loans you can pay more or completely pay off without any penalty but in my case even when extra payments are paid it 's simply reduced the amount of the next payment instead of reducing principle. Interest rates are also based on the month previous last payment instead of the newest month minus payment paid. I 've gone to my local bank branch several times but have never been given correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX is with Ocwen, initially I had gotten behind on one payment. I called Ocwen to attempt to work out a time when I could get caught up. I had the money and would have made three payments to get caught up. They added fees and refused to let me work it out when they calculated my monthly income, which by the way was enough to pay on my loan as I had done for years. I had an incident where I had a family emergency and got behind. I called to let them know I would make three payments set up two in one month and the third being the second month catching everything up. They refused to do that because I did not qualify, then I was told to fill out HAMP paperwork and set up an appointment with a relationship manager. All of this was unnecessary and they were unwilling to work anything out. it was impossible to communicate with them because everyone was XXXX and in another country. I had issues before and requested to speak with someone in the U.S. and that request was never granted. I went ahead and let the payments go because with the fees and them telling me I no longer qualified for a payment arrangement, I put the house up for sale to avoid a foreclosure. So as of XX/XX/XXXX we have been working with Ocwen on a short sale and I hired a realtor. 
Shortly after that we had an offer that we, the homeowners accepted. The offer than went to Ocwen. 
Around XXXX XXXX, they disclosed that we would have to use an auction platform before they would consider approving the short sale- this resulted in us losing the buyer that had been in contract for months. 
Our file went through XXXX rounds of Auctions with XXXX the first and second without any buyers. 
On XX/XX/XXXX Ocwen completed new values and sent this information to XXXX so they would know where to market the property. 
On XX/XX/XXXX we were advised that this XXXX round of auctions resulted in a buyer. We then proceeded to send in paperwork each month for bank approval. We were told in XX/XX/XXXX everything was proceeding nicely and that the principle loan holder, Ocwen, had approved everything. 
On XX/XX/XXXX we were then told that Ocwen declined the file because the offer was too low!!! They were the ones that sent the information to XXXX. See attached. 
On XX/XX/XXXX when our attorney 's spoke with Ocwen they denied sending any " numbers '' to XXXX to market the property, however you can see that they infact did. Then initially when using this auction platform THAT THEY REQUIRED, they said they would pay to do that. Now they are trying to tack on the XXXX dollar auction premium to the buyer 's side. They also stated they did not set the values and that is why they were declining, when they clearly did, and because of that they would not net XXXX-XXXX more than what they are receiving now. 

This file should have been approved months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I received a Delinquency notice letter form ocwen loan servicing dated XX/XX/XXXX regarding loan number XXXX.States that i 'm late on my mortgage payment as of XXXX/XXXX/XXXX I 'm XXXX payment delinquent on my mortgage loan my account first became delinquent on XX/XX/XXXX.failure to bring my loan current may result in fees and foreclosure -the loss of my house.the total : {$130000.00}. 
my attorney williams sent a letter to ocwen loan servicing dated XX/XX/XXXX regarding the alleged debt owed to provide verification of the debt and the name and address of the original creditor within thirty ( 30 ) days of the date of this letter .ocwen loan servicing never respond to the letter .until XX/XX/XXXX my former attorney XXXX XXXX reached out the bank 's attorney .And ocwen loan servicing said that they are willing to accept {$110000.00} for the home now .And she asked what bout XXXX and she was advised that the bank 's attorney only represents ocwen and they can not speak to behalf oh XXXX. I may contact a private lender to see if they will loan me to money, on XX/XX/XXXX I receive a Non Approval notice letter from ocwen loan servicing states that they are unable to offer a home Modification because : As of date of this letter my loan has confirmed foreclosure sale date within 7 business days.On XX/XX/XXXX I receive a confirmation of cancelled effective XX/XX/XXXX any unearned premium that may have been paid from escrow account has been refunded Please be advise that this Loan number XXXX is totally fraud and was created by ocwen loan servicing for own purposes of used .Because i never made any payments to ocwen loan servicing regarding this loan # XXXX .Ocwen loan servicing has a voice recorded stated that i paid {$5900.00} was received on XX/XX/XXXX and my next payment of $ XXXXis Due on XX/XX/XXXX .This is totally untrue .Also on XX/XX/XXXX I receive an email from my former attorney XXXX XXXX stated that lawsuit been filed by INVESTORS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen reported information wrong to the credit agencies and caused me to be rejected for my refinance transaction. The account was paid in full in 2010 and they have not reported a XXXX balance or payment history to XXXX. The lender is treating the account like a foreclosure. XXXX has called Ocwen and I have called Ocwen more than XXXX times and they tell us they will e-mail us the payment history and proof XXXX balance and they never do. Now I am unable to refinance even though my credit scores are above XXXX. I am being rejected due to Ocwen reporting incorrect information to XXXX and they have negelected there resposibility to provide me the borrower the payment history or even proof XXXX balance. They outright lie every time. From XXXX XXXX until XXXX XXXX they have told me I would receive documentation by e-mail within XXXX business days. I am still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there are XXXX names and identification numbers associated with my credit have never lived in these XXXX addressed below XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ID # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
All collections have been paid and being reported on days which make no sense. Believed to be victim of cyber hacking or attack, identity theft since XXXX. XXXX was contacted. Reference number is there. Nothing is changing!

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 2016-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was set up to receive my XXXX statement online. I did not receive my statement ( second time this had happened ) one month. When I received my statement the next month and saw a past due I immediately called and was told if I paid the balance due over the phone ( approximately {$30.00} ) I would have a XXXX balance, so I did this. 
The next month I received another e-mail from XXXX and believing what the representative had told me the previous month ( XXXX balance ) I did n't bother to open the e-mail. When I received another e-mail the following month I opened it, called and got into an argument with the representative, paid additional monies ( service charges ) and asked that the account be closed. 
Recently a banker told me that XXXX jumped me straight to 90 days and that I should dispute this. I have a flawless credit score except for this one charge.

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 2016-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
As far as I know FDCPA requires XXXX point verification in order to disclose. I was contacted 2 times now where as soon as I answered to my name they disclosed that I owe {$1300.00} and they want payment. At no point would they listen to my concerns about privacy. They just kept cutting me off and asking for payment. The manager did the same thing and when I asked for his manager he hung up on me because " you do n't want to resolve this '' I told him they called me and not to hang up and he did it anyways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery Associates say that I owe them several debts. I did not agree nor did I sign a contact with them at any time. I have sent Portfolio Recovery Ass several debt validation letters and they have failed to provide me with adequate documents and a signed contract from myself stating that I agreed to pay them this alleged debt. Since Porfolio Recovery Associates can not provide this information I wish to have all of their negative remarks removed from all XXXX credit reporting agencies that is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery Associates have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions 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:
My identity was stolen and fraudulent accounts where open on my credit

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