BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of 2012 We had some financial issues and had to file for chapter XXXX bankruptcy. Immediately following our filing date, Ocwen did an escrow adjustment raising the amount of our monthly payment from {$480.00} to {$660.00}. They also at this time stopped sending us a monthly statement. When I talked to a representative they told me their system was down and were unable to send a statement at that time nor did they tell me of the rate increase. Being that we had just gotten all the necessary paperwork completed for the bankruptcy, we were under the assumption that all delinquent amounts were accounted for and set up in the payment plan to our trustee. After several months the bankruptcy attorney had informed me that Ocwen had still not responded to the claim from the trustees office and asked if I would contact them to see what was the matter. I contacted Ocwen a second time and was told they had not received a claim. I again asked about a monthly statement and was told again that their system was down and no one was getting a monthly statement. Soon after, the bankruptcy attorney contacted me again stating that Ocwen had filed the claim, however it was past the deadline and rejected by the trustee. I contacted Ocwen a third time and was told we needed to file for a modification and that the claim amount they filed was incorrect. They also informed me that we were now further behind in our payments. I told them we had been making our payments every month and they said they were not accepting the payments because they were only partial payments. This is when I became aware of the additional amount for escrow. I told them I was unaware of any increase because they had not been sending us a monthly statement. I inquired about the statements again and got the same response as the previous XXXX times. Time has gone by and we still have no resolve in the issue. The trustee has not made any payments to Ocwen, because they have no claim on file. Ocwen also failed to notify the trustee of my monthly payment increase. I have contacted Ocwen again and reapplied for a modification but was denied. I asked about monthly statements again and was told this time I needed to request them. So, because of Ocwen not following through the way they should have, and because of not getting any statements showing what was due, they are now showing us to be more than {$12000.00} behind our original amount past due which at time of filing was just over {$3800.00}. This has now placed approximately {$400.00} a month more towards our monthly expenses. {$170.00} towards our mortgage and an additional {$200.00} towards our trustee payment. We are trying very hard to make this right and to keep our home. However, we feel that Ocwen is doing everything they can to make this impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Yes, the credit dept say the company ask them to keep the fraud on my report in have me company them i have contact them a number of times in this has n't not been remove from my credit file which makes this more outrageous is i have been on XXXX since i was born in XXXX and XXXX both pay all my health care bills on by somebody use my name in a fraud this bill was n't pay for but the collection agent trying force me to pay something that was n't done by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is not a DUPLICATE report and this is not filed by a 3rd Party. 

I just reviewed my credit report and there are some Hard Inquiries that I don't recognize. The Hard Inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-02-27
Company: ERC
State: TX
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:
I was contacted last year XXXX XXXX XXXX by a debt collector working for XXXX XXXX XXXX about an outstanding debt ( XXXX ) which was not due by me. Bill was under my name but I had left the country ( Job in XXXX ) in XXXX XXXX. My ex husband did n't pay his Internet bill and the bill was under my name : as a result, the debt collector contacted me and I paid {$100.00}, last year XXXX XXXX XXXX ) but the debt collection shows on my credit report and will up to 7 years. The Debt collector does n't want to delete the debt collection file so it affects my credit score. I want them to remove that debt collection from my credit report because I paid and settled that debt which was not mine. 
Thank you fr helping me with that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I called lawyer office on XXXX/XXXX/16 ( wed. ) which was recorded and told them I would be mailing a notice of the debt being beyond the Statues of Limitations in MI. The phone call was recorded and I told them not to contact me and she said she 'll put a cease and desist order effective that day. 4 days later I was served with another summons to appear in court on XXXX/XXXX/16. When I tryed to get the recoded conversation on XXXX/XXXX/16 it was told to wait until I talked to a supervisor. She returned and said she cant give me that information which violates the cease and desist order I placed per telephone if I can recover the phone conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Consumer Portfolio Services, 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: Account information incorrect

Complaint:
My auto loan due date is on the XXXX every month. There was a portion of XXXX still owed in XXXX but was paid by XX/XX/XXXX, which is 25 days pass the due date. The XXXX payment was made XX/XX/XXXX, which is XXXX says pass the due date. Neither payment was made 30 days after the last due date. I called Consumer Portfolio Services the first week in XXXX when I received a late pmt alert from XXXX. I was told because a payment was not received on XX/XX/XXXX that its late. I explained on that date it is 12 days late not 30 as reported. The same conversation took place on XX/XX/XXXX when XXXX was reported late but was 9 days late and not 30 as reported. XXXX did not remove the late payment but updated the dispute results it to include a late payment for XX/XX/XXXX. I spoke to XXXX and was told they are not mediators.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection agency ( Portfolio Recovery Associates LLC ) did NOT send any communication about the debts ( on 2 seperate accounts ) WITHOUT giving me the opportunity to dispute under Federal Law. I immediately BOTH a ) emailed and b ) send letters certified mail to : a ) email : PRA_Disputes@portfoliorecovery.com b ) Portfolio Recovery Associates, LLC Disputes Department XXXX XXXX XXXX. 
XXXX, VA XXXX I would like assistance on resolving this matter. 

- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have all obtained my non public Identifying information through fraud & identity theft. I have never contracted with any of these companies. This also serves as notice for all of the credit reporting agencies to list a few but not limited to XXXX, XXXX, & Transunion. Please remove these fraudulent account or be held liable for willful breaking of the law.

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 2017-03-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This is in reference to the account in collections reported inaccurately by XXXX XXXX in the amount of {$490.00} listed by Experian on my credit report. The account that was closed is not being reported accurately. Information like the dates are incorrect, not to mention the amount. But I had previously contested the amount with the debtor years ago stating that is not what I should 've been charged originally but it was never corrected. So at this point when I already had to wait for the seven year mark for it to fall off I do not understand why XXXX XXXX did not report the right dates or have since changed the dates so that they stay on my report ( s ) longer.

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 2022-08-27
Company: EQUIFAX, INC.
State: TX
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:
These accounts is reporting INACCURATELY it's reporting not as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. 

In accordance with the fair credit act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is reference to complaint XXXX. 

It was never resolved. 

I have proof that the payment was sent on time. 

Barclay company claims otherwise, and wishes to keep the fee they charged me. 

On your site ( consumerfinance.gov ) it states the following : That depending on what YOU find, you can also do this : Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office. 

Since you failed to do anything about this matter, who do I contact next or who can you forward this to? 

Thank you, 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 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-14
Company: EQUIFAX, INC.
State: OK
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:
Consumer reporting agency report State denial due to criminal background record as a part of my adverse action I was under the impression that criminal record can not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I read about Simple online banking ( XXXX ) in the XXXX and was excited to set up an account. 

I opened an account and transferred {$2000.00} into it from my XXXX XXXX checking account on XXXX XXXX. After transferring funds into the account I received a message stating that my account had been frozen since they " could n't identify me. '' At this point, I was told that I had to supply a copy of my social security card in order to gain access to my account. During the month of XXXX, I moved into a new apartment, and I discovered my social security card was missing. 

I received one followup message from Simple, and then on XXXX XXXX I was told my account was closed. When I called into Simple customer service to ask where my funds were and to see if there was a workaround for not having my social security card, I was assured that I would n't need to produce my social security card and that the check would be mailed. On 4 or 5 occasions in XXXX, I called to check on the status of the check, each time being advised by Simple customer service that the " check was on the way. '' On XXXX XXXX, I called again to inquire about the status of my check and was told that the account had actually not been closed and that I still needed to provide my social security card to release the funds. I spoke with a manager who told me that, despite the fact it was Simple 's error in telling me my funds were on their way back to me, that I would still need to produce a social security card. She also advised that this is not the first time that this issue has come up with other Simple customers. 

On XXXX XXXX, I provided copies of my Social Security card and the other required documentation. I called on XXXX XXXX and today ( XXXX XXXX ) and have been told that my account is still under the " review process '' by another team at Simple. When asked if it could be escalated ( since my funds have now been frozen for 2 months ) I was told that it was n't possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is to inform the CFPB of the bad practices TransUnion XXXX XXXX XXXX XXXX XXXX those companies has violated my rights by sharing my personal information without a permissible purpose in allowing third party companies pool my consumer credit report I have posted a freeze in 2021 on all credit bureaus until present day those companies steel passing around my personal private information illegally conducting and verifying information without no permissible purpose. they have conducted investigations in those informations come back verifiable I have asked those companies to provide me with this certification application documentation signature showing my permissible purpose I am requesting that verification I'm the following companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( negative {$700.00} ) The company XXXX XXXX bank has posted late payments on my consumer credit report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This applies to all the companies mentioned above provide me with that verification application signature that I gave permission. You should have those documentations unfiled. If for any reason you can not provide me with those documentation have those items delete it from my consumer credit report.

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 2020-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
I was told if I paid the overdraft balance owned on Account ending in # XXXX that the XXXX reported information be removed. The balance was paid XX/XX/XXXX {$420.00} and got my XXXX report back in XX/XX/XXXX still shows bank of America reporting the debt. I called today XX/XX/XXXX to Bank of america recovery department told them I paid said shows it paid but they can`t remove it from XXXX before I was told the balance was paid it`ll 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 explanation
Consumer complaint received 2015-04-26
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
According to the FHA guidelines, when an FHA Loan is acquired prior to XX/XX/2013, the Mortgage Insurance ( MI ) should be able to be removed if you meet the criteria of 78 % loan to value ( LTV ). I have 90 % LTV but I 'm being told I can not remove the MI until I have had my loan for 5 years. XXXX XXXX does not make the policies for the FHA Mortgage Insurance and are not following the guidelines stated by FHA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Their investigation did not fix an error on your report

Complaint:
Unauthorized credit inquiries on my credit report, I've sent TransUnion Consumer credit reporting, letters dated XX/XX/XXXX and XX/XX/XXXX, to include calling every month to their fraud department, " unable to reach live operator, just a recording and only option to place a fraud alert on my credit file ''. Unauthorized credit inquiries : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ). I did not authorize these inquiries and requested TransUnion Consumer to send me documentation verification, they failed to do so.

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 2020-01-14
Company: ALLY FINANCIAL INC.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I completed an extension with Ally Auto Finance on or around the XX/XX/XXXX I  was told to pay a total amount of {$230.00} on or before the XX/XX/XXXX. I also was advised that i would receive a document confirming this in the mail. To simply sign the document and send it back and no payment will be due until XX/XX/XXXX. which then only a partial payment would be due. I received the document on XX/XX/XXXX us mail and i signed and returned this back via us mail. I then began getting collection calls shortly after. I then spoke to them 3 times via telephone and advised i sent the document back and have made the payment and i do not understand why they keep calling and reporting i owe them a payment. They said the extension has not been processed and that i would need to pay more money and do another extension. I advised i am not going to do that it is not my fault that they have not processed it. I paid what i was advised to pay and yet they keep calling. I then reached out twice via chat and confirmed the department has been notified to update this information. however they still do not show that i have the extension done. I then was told that they will continue to collect and call until it is processed. They keep telling me to call back in 2 days and now i feel that they are doing something unethical and wrong. They were paid as agreed to and now they are not holding up their end of the deal.

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 2020-09-26
Company: CITIBANK, N.A.
State: CA
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 recently sent a request to all three Bureaus - XXXX, XXXX  and XXXX  reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 

1. The status is incorrect for the following account XXXX/XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The status is incorrect for the following account CITI Account Number : XXXX Please investigate and delete from my credit report.

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