BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-19
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a XXXX Corporation ( " Assignor '' ) is attempting to transfer an assignment of deed of trust to XXXX XXXX XXXX, XXXX as trustee for Option One Mortgage Loan Trust XXXX, Asset-Backed Certificates, XXXX XXXX ( " Assignee '' ) on XXXX XXXX, XXXX. XXXX XXXX retroactively attached our mortgage to a securitized trust that was closed and sold to investors 5 years earlier, the bank violated a XXXX law that prohibits fraudulent real estate filings. This assignment of deed of trust was signed by a known robo-signer XXXX XXXX. Declaration from President of XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a California Company from XX/XX/XXXX that XXXX XXXX XXXX is no longer engaged in the servicing of residential mortgage loans. XXXX XXXX has no servicing rights and does not own any residential real estate mortgages. Affidavit from XXXX XXXX, XXXX XXXX District Registry of Deeds, states that XXXX XXXX, person who signed the Assignment of Deed of Trust, is listed on XXXX XXXX XXXX Approved Robo-signers list. Our Chain of Title has been corrupted. OOMLT XXXX was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. 
Any attempt to assign the subject loan to the trust after the cut-off date would be in direct contravention of the laws governing the Trust ( PSA ) and thus rendering the fraudulent assignment of deed of trust filed on XX/XX/XXXX in the XXXX County Land Records office void. Ocwen is still engaging in illegal behavior. The assignment of deed of trust is attempting to sell, assign, transfer and convey unto Assignee that certain Deed of Trust executed by XXXX XXXX XXXX and XXXX XXXX XXXX, dated XX/XX/XXXX and recorded by File No. XXXX, of the Official Public Records of Real Property of XXXX County, Texas, encumbering the real property described as follows : Lot XXXX XXXX XXXX, a subdivision in XXXX XXXX, XXXX, According to the Map or Plat of Record in cabinet XXXX, Plat records of XXXX County, XXXX ( Property ) Street Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This assignment of deed of trust is recorded by File No. XXXX, of the Official Public Records of Real Property of XXXX County, XXXX. This illegal behavior by Ocwen Loan Servicing , LLC has created a cloud on title to real property under Texas state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Collection agency is reporting the incorrect date of first delinquency. I have disputed with TransUnion multiple times ( XXXX times in total ) and each time, the dispute has been verified. The original tradeline with XXXX Bank became delinquent XXXX XXXX as recorded on my credit report. The debt was sold to a collection agency, XXXX XXXX, who then reported the date of first delinquency as XXXX XXXX. Due to the age, the original tradeline has been removed from my report and is no longer listed. With the suggestion of a Transunion representative, I provided a copy of a previous credit report ( XXXX XXXX, prior to the removal of the original tradeline ) circling the date of first delinquincy and estimated removal date. I then circled the estimated removal date under the collection agency as proof the date is incorrect. The dispute was verified as correct. I was told by a representative Transunion does not investigate the dispute and all documentation is forwarded to the collection agency for verification. The collection agency has refused to correct the issue. Transunion representatives have stated numerous times there is nothing they are responsible to do and the credit report is not sufficient proof of the dispute. I was also told to file a police report or get an attorney as Transunion is not responsible for investigating disputes and if the collection agency verifies the information as correct, there are no laws they have broken. Although the customer service representative was a XXXX supervisor and could blatantly see the error and agreed with me of the error, she said there is nothing she could personally do to correct the issue and all corrections must be made by the collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have been disputing incorrect late payments with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2020-03-13
Company: Experian Information Solutions Inc.
State: UT
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 is reporting a charged off debt to my credit that I do not owe. My car was totaled and GAP insurance is supposed to be paying for it. I have been fighting with them for a while and they have not paid it. The lates and charge off on this account are not my fault and it should not be 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
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a dispute with Experian because the addresses is listed on my credit report are not currently my addresses or addresses that I have not resided. I informed Experian that on XXXX of my consumer reports I found an account do not belong to me. I asked experience to remove the addresses from my credit report because these addresses could allow someone to get a hold of my personal information and use it fraudulently. 

Experian won't remove the addresses because they say I have multiple accounts linked to those addresses but If any of the creditor on my credit report wants to contact me. They should be able to review my credit report and find an valid address and be contact me there.

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 2022-10-11
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had XXXX American Express prepaid cards, Bluebird # XXXX {$77.00} and XXXX # XXXX {$66.00}. I had my paycheck direct deposited into my XXXX  account. I called American Express and they claimed they would send me a check in to mail and its been over a month already. They essentially closed both my accounts for violating terms of conditions, for simply entering my pin incorrectly at the ATM to withdrawn money from both accounts since I no longer used both the accounts. My funds were illegally taken by American Express in violation of Federal Banking Laws and they must be returned. 


Emails from American Express XXXX, XXXX XXXX, During our recent review of your Bluebird  Prepaid Debit Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. 

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. 

If you have any questions or would like to inquire further, you may write to us at the following address : Bluebird Customer Care XXXX XXXX XXXX XXXX, GA XXXX Thanks, The Bluebird Team Hi, XXXX XXXX, Your Bluebird  balance is currently {$77.00}. As a reminder, you scheduled this regular balance update in your settings. 

Want to change or cancel this balance alert? You can do that here. 

Questions or want to learn more about Bluebird? Visit us at Bluebird.com/faqs. 

Thanks, The Bluebird Team

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-06
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have been with Netspend card company about 6 years. I get direct deposit for my ssi. On XX/XX/XXXX, I got my direct deposit on my card. I could not use it so I called them and asked them why? They said it was some kind of fraud on my card?? I said ok. They said they would send me another card. I said ok. I never got the card.? So after a few days I kept calling asking them could they please send me another card to use because I have to pay bills. They said if I send them XXXX dollars they will send me a expedited card. I said ok. I got the card. I tried to use the new card I still could not? I called them on the XXXX of XXXX and they said I have to first send them some documents to prove that I am XXXX XXXX. I sent them state Id. Social security card. 5 pieces of mail. Human Resource letter statement that I get food stamps. All of this. They sent me back a email saying they want more?? I keep telling them I dont have anything else. I finally found a letter that a credit card company sent to me for a loan. It had my address on it also. I sent that to them. They still tell me they can not activate my netspend card??? My rent is behind, and my bills are due!!! I keep telling them that but they still will not send me my money. If you all can help me please do. I think their company is a fraud! I told them they probably spent my money. I am disappointed at them. I read on line that they have been sued for XXXX dollars. Now I understand why they dont want to let my money go. They are a company that seems to be defrauding people out of their money again.!!

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 2016-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On or around XXXX XXXX 2016 there was an unauthorized accessing of my personal credit info, this was an act of violation of XXXX and should be deleted. 
1. XXXX XXXX/XXXX/XXXX 2. XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX/XXXX/XXXX 5. XXXX XXXX My credit report showed a credit inquiry by the above company that I do not recall authoring.

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 2021-01-06
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I called Quicken Loans to refinance my home loan. I spoke with an associate who assured me that I would have a seamless process and would close in less than thirty days. I sent in all required documents and was quoted a mortgage amount of around {$1400.00} a month. This would be my third closing so I understand that the numbers slightly change up and until closing. My closing was scheduled on XX/XX/XXXX. I signed the closing disclosure that stated my mortgage amount would be {$1300.00}. I checked the online app on XX/XX/XXXX and noticed that the mortgage amount had jumped up to {$1600.00} and needing over {$4000.00} funds to close. I emailed and called XXXX who stated there was a glitch in the app and that whatever amount my closing disclosure document stated, would be the amount of my mortgage. 

XX/XX/XXXX closing came and a notary showed up to my home to notarize the closing documents with the closing disclosure stating my mortgage would be {$1300.00}. I logged onto the Rocket Mortgage app once again to see a mortgage amount of {$1600.00}. I began calling Quicken Loans and was told that the property taxes on my current property were incorrectly calculated and that I now needed to re-close on the loan. I spoke to several associates all stating that this was the worst treatment of a loan they had seen and stated they would correct the issue. It was not until XXXX when I was told my loan had been cancelled and I still owned the ( what I thought was previous ) current lender of my home. I was informed a new loan was being funded to correct the past error. 

It was XXXX when I started speaking another associate. He was the only associate who really sounded like he was going to own my issue from start to finish. He called me and told me he would be able to fund the loan at the original amount of {$1300.00}. I have no direct complaint against him. He is included in this complaint because he knows the details of this situation. I spoke to him XX/XX/XXXX. It was on this date he informed me that my loan had aged out. I believe that my loan was closed out so as not to fund the loan for the amount promised. I believe I was deceived into the application and funding when my mortgage amount was increased and I was told there was a glitch in the system so that I would go through with the closing. I believe there has been a Regulation Z Truth in Lending Violation and this has UDAAP concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 1 hard Inquiry that I never did. Was not authorized by me. This was fraud. I have tried calling XXXX XXXX and kept getting the run around. I never applied for there cards. Which is the following they claim is the date I applied -- -> XXXX XXXX XX/XX/2018

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 2015-07-01
Company: General Motors Financial Company, Inc.
State: NE
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Leased a new vehicle from GM Financial. I asked to change the payment due date to later in the month when I received my next paycheck. I had made one payment at the dealership. The customer service rep told me that I had to make an additional payment prior to changing my due date. I have leased a car once before and this was not the case. This is an arbitrary rule that hurts the consumer. So because I decided to buy a car on the XXXX my payment is now due every month on the XXXX. Also the rep did not inform me that the call was being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Alpha Recovery Corp
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
XXXX XXXX employed as a debt collector with ARC ( XXXX ) calls my job and home XXXX times a day. I have verbally and in writing asked that he stop as I will contact them when I am able to negotiate a settlement. This is calling negative attention to me at my workplace and disturbing my home life. 

Kind regards, 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 2021-01-06
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX Received a letter from XXXX XXXX XXXX XXXX XXXX indicating that I had an unpaid balance of {$990.00}. On the same day I received a letter from Virtuoso Sourcing Group, apparently a debt collection agency stating that I owed {$990.00} To XXXX XXXXXXXX XXXX  XXXX XXXX. 

XXXX I called the XXXX XXXX. I spoke to a representative and told them that the bill was not mine. The person I spoke to said that they couldnt give me any information about the bill unless I confirmed my address and last 4 of my social. I didnt feel comfortable giving either information out to the representative but I did give the last 4 of my social. All he could tell me was that work had been done at that address, XXXX, but would not disclose any other information. He gave me the address of the work. I asked if there was anyway to send a bill to that address and not to my address. The man said that I would need to contact the XXXX Police Dept to file a police report. 

Then I called Virtuoso sourcing group. The lady asked for me to confirm the address where the bill was sent. I explained that I never lived in XXXX or Indiana for that matter. She also said to file a police report with the XXXX police dept. She said they would start a file on their end, but I should still contact law enforcement. 

I Called XXXX Police Dept. They told me they couldnt do anything that I had to go through a local police agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXXXXXX, Account # XXXX, XXXX XXXX Account # XXXX, as well as the reporting agencies have violated my rights. I am promised the accuracy of my credit report by Federal Law and I am making another attempt to have these errors corrected on my credit file under 15 US Code 1681.

The facts related to and the reporting of said accounts are inaccurate, false, and misleading. They are causing undue stress and violating my rights according to 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Due to the fact that TransUnion failed to respond back to my Unverifiable Dispute letter, I have no dispute case number. I am going to provide the USPS Certified information that they received the letter in the mail. I was disputing the fact that the account on my credit report that says I owe XXXX XXXX XXXX and XXXX XXXX XXXX is Unverifiable. I presented the letter to TransUnion and I make sure a copy of the letter is in this report. But never got anything back concerning my dispute letter in XXXX XXXX, 2016. It is now 36 days pass due and no response from TransUnion. Accordingly, to the FCRA if the Credit Reporting Agency does n't reply back then the debt is automatically removed from the credit report. But in my case it has not happen. Also, I have recording from both XXXX XXXX XXXX and XXXX XXXX XXXX I am not in their files no where. I do n't understand why TransUnion is holding on to this debt. When it should be removed from my credit report because they fail to answer back to my dispute letter I sent them that I providing to you and the mail return receipt they sign for accepting my dispute. I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries on my Experian credit report the names are XXXX. XXXXd XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXXXXXX I have not applied for anything therefore these inquiries shouldnt be on my credit report I havent given anyone permission to run or use my credit its my privacy right according to the FCRA.

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