BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
OCWEN LOAN SERVIC  E,   XXXX   XXXX   XXXX  FL.   Paid {$2000.00} from  XXXX  to  XXXX   XXXX  for  Ocwen 3  month payment pla n Agreement   XXXX / XXXX / XXXX  paper signed for payment plan. late  XXXX  another paper was signed to accept  Modify was ap prove by  Ocwen Loan  service. paid by ACH wire on  XXXX .      Ocwen Loan Service .  XXXX   XXXX  letter saying your in default and modify not approve.   increase payment from {$500.00} to higher amount. This has been going on Since  XXXX  to  XXXX  payment plan is not working they are wrongfully taken my funds. I have file many complaints On wh ole two y ears of payments not posted, mail copy sent copy in  XXXX , this still not fix by  Ocwen..Statements  WAS mail  8 time in las t 5 years to fix.     My New home in  XXXX  was bought  1st  home b y  XXXX   XXXX   th is for Year , then transfer t o Homecoming,    GMA  C, Ocwen t ook over  XXXX . No w Ocwen r eported to agency that  Ocwen m y loan since  XXXX   XXXX  Which  is false Agenc y said it was reported by GMAC person ..I wanted  my funds b ack if OCWEN is not modify m y loan.     THIS OCWEN PROBLEM HAS BEEN GOING ON NOW FOR 6 YEARS. OF FALSE INFO B Y OCWEN LOAN SERVICES. NOT APPLYING PAYMENT, CHARGING FOR SENDING SOMEONE TAKE PICTURE OF HO USE FOR  XXXX  TO  XXXX , MISAPPLY PAYMENT FOR YEAR AND HALF. MY ACCOUNT STILL NOT FIX. WITH THE CORRECT AMOUNTS : AFTER SENDING STATEMENT  XXXX  TO  XXXX .      Ocwen  Email :  XXXX   XXXX ,  XXXX  Loan Number :  XXXX  Property Address :  XXXX   XXXX   XXXX    XXXX    XXXX , GA  XXXX  Dear  XXXX   XXXX  :  OCWEN receiv ed a payment on  XXXX / XXXX / XXXX  for the amount of {$500.00}.   Sincerely, OCWEN  XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  ( Do not send correspondence or payments to the above address. ) Dear  XXXX , We have noted the account with the information you have provided. The Home Affordable Modification Prog ram ( HAMP ) Strea mline third trial payment was received on  XXXX   XXXX ,  XXXX  and the trial modification plan is now complete. Please allow time for us to finalize the modification.     With regards to your concern about the Tax disbursements and the transaction history, we apologize for any inconvenience this matter  may h ave caused. We will send you a copy of the payment history and you should receive it by email within  three d ays.     To formally dispute your transaction his tory with Ocwen, plea se send a written request along with any supporting documents t o our Research Departm ent.The fax number for o ur Research D epartment is  XXXX   XXXX   XXXX   XXXX . You can also send your correspondence by mail to the following a ddress : Ocwen Loan Servicing, LLC  Attention :  Research Departmen t  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Liberal Finance Service
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went to a dealership asking to buy a car, and he put me with this company : Liberal finance. 1st he asked me if I can put down XXXX $ for the car which is a XXXX XXXX XXXX XXXX miles. Since I get the car I spend XXXX $ as tickets, XXXX $ as impound XXXX $ paid to the finance company. In this situation I requested a refund, sell the car or give back the car and they said no! I still owed XXXX . The 1st day I drove the car from the dealership I spend XXXX . If I do the math from XX/XX/2018 to now I already spend XXXX $ and I dont have no title of the car and still owed XXXX $ Reported in 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
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
the 3 secured credit cards I got recent, I was told they would effect my credit since they were secure and one was a loan Im paying off from self credit where you are able to use XXXX XXXX of the loan that you have paid down and use it as a secured card, that it also wouldnt access my credit since they already did for me to get the loan. However it was all a lie, with all 3 cards bc the inquiries hit my credit and brought down my score with transunion by XXXX point! Dates and actions are included in the 2 photos I attached

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 2021-04-01
Company: EQUIFAX, INC.
State: IL
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX IL ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have submitted these disputes directly to Equifax and received the attached confirmations. For good measure, I am submitting them to you for follow up. It appears a few of the items have been deleted ( I will not name them each here ) but perhaps there is a delay for some of them. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage Servicer, Specialized Loan Servicing ( SLS ), is employing unfair, abusive and deceptive practices. I am an XXXX XXXX  year old Veteran of the XXXX XXXX I have lived in my current resident since 1996. The debt on the mortgage has been serviced adequately and timely prior to my current situation. A simple analysis of the account record will attest to that. While I have retirement and limited other income, my entitlement benefits have been interrupted. Once the benefits are resumed the, mortgage debt will be adequately covered. SLS knew I was XXXX yet they served foreclosure complaint at my resident in an attempt to make it difficult for me to response within the 20 day statutory limitation. SLS has not participated in the loss mitigation process in good faith. Disparate financial treatment is not a part of my sentence. SLS filed residential foreclosure action while in loss mitigation review. After a request to the court for mediation, SLS falsely informed the court that no active loss mitigation us being reviewed and went on to falsely indicate that loss mitigation was denied. Contrary to the Loan servicer 's claim, loss mitigation is on going which is evidenced by continuous written correspondence with SLS. While there has not been a denial, requests for SLS foreclosure prevention options and request for mortgage assistance have been declared incomplete or stale or in need of resubmission without comprehensive explanations. In the months leading up the foreclosure complaint I tried to work things out through mediation. Requests for mediation were rejected. SLS appear to be participating in a sting or scam. They are stringing me along with false hope of loss mitigation while proceeding with foreclosure. I would like to keep my home plus I have equity in the house and I deserve to get the equity. The tactics being employed by SLS is designed to deprive me of the house and the equity. What normally happens in the industry is that, the mortgage holder will buy the property at the foreclosure sale for a hundred dollars ( {$100.00} ). As such, leaving no after sale credit for the home owner. In effect, cheating the homeowner of deserved equity.

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 2021-11-16
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: Public record information inaccurate

Complaint:
XXXX is report is showing bankruptcy that do not belong to me that are saying that the information is verified through the bankruptcy court but that information is not factual and they are sharing my personal information and credit reports without my consent to XXXX, Trans Union and 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 2021-11-16
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The indicated company, CMRE Financial Services Inc., has refused to acknowledge or send information on a disputed bill for medical services. The company has been contacted three times by mail and once by phone and advised said bill was disputed, and that prove of debt was requested and required. The aforeindicated company has continued to attempt contact by phone, despite the fact the company was advised not to continue said practice. Also, the aforementioned company has sent to the complainant letters threatening dire consequences such as blacklisting with credit reporting agencies if payment is not received. As of this date ( XX/XX/2020 ) no viable proof of debt has yet been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: BTH Management
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've contacted each service that's furnishing inaccurate information thats being shared on my consumer report. I made them aware that i did not authorize nor consent to the following names, addresses, phone numbers, employers, inquiries and collection being fraudulently reported on my consumer report. 
According to 15 USC 1681E ( B ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer to open a new checking account wit h CitiBank and receive a {$300.00} bonus if I deposited {$15000.00} into the account. I made two deposits totaling the {$15000.00}, and was told this would qualify as the direct deposit, and t o expect the {$300.00} bonus in 60 days. I called back about the bonus, and was told the direct deposit had to come from a payroll account, and that I no longer qualified for the bonus because the account was over 45 days old. I 'm in the process of closing the account due to the deceptive information told to me by their representative.

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 2021-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
my information was used for fraudulent activity for the purpose of loans witch i never authorized.Or have knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02
Company: Experian Information Solutions Inc.
State: NC
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 have a 30 day late showing on my credit report for  XXXX   XXXX  for Experian from  XXXX   XXXX   XXXX   XXXX . I contacted  XXXX  about this issue because i was never late on a payment. I 've had this account for 7 years and never paid late.  XXXX  advised me that they dont even report to Experian, and havent since  XXXX   XXXX  I contacted Experian and demanded that the late be removed Immediately. All they did was open a dispute for me which is counter productive and time consuming. It should be removed immediately because it is an error on Experian 's part.  XXXX  says that they do n't know how Experian got that data, because they do n't use them to report. I am in the process of doing a refi, and need this to be removed 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 non-monetary relief
Consumer complaint received 2017-06-02
Company: CONDOR CAPITAL CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I called Condor Securitization Trust ( formerly known as Condor Capital Corp ) to request a Paid in Full Letter. First the representative said my account was bought by XXXX and to call them. I immediately called XXXX which advised me that they did n't have my account. They looked me up by my SS # and Phone # and no luck. I called back to Condor and then i was told they had to request the Paid in Full Letter which will take 24-48 hours to receive. On XX/XX/XXXX, I called Condor again and this time I had Condor and XXXX on the phone. XXXX, again told me they do n't have my file. XXXX hung up and I was alone on the phone with XXXX ( Condor Representative ) which he told me the account was written off XXXX for XXXX cent and they received my last payment in XX/XX/XXXX. I beginning to explain to him that you only write off an account when the person who owes you money is not going to pay. I mentioned to him I paid the account in full and your company sent me an refund check so why would you write if off. I asked for a manager but then he put me on with a supervisor name XXXX XXXX. I went over the same conversation i had with the other XXXX. XXXX XXXX, said the Manager was in a meeting and that he will get back to me in 24-48 hours. XXXX XXXX also explain to me there 's nothing they can do since the file was sent to XXXX in XXXX. I told him why would a file be sent over to XXXX in XXXX a year after i paid it off. He said his system ca n't pull a transaction history or give me a Paid in Full letter since they do n't have the file anymore. I explained to him I 'm so confused because clearly I made all my payments and you guys are pulling a scam. He said i 'll send your file to upper Management and they will call you 24-48 hours. I called DMV which told me the title still had a lein on it. On XX/XX/XXXX, I called again to speak to a Manager and no luck again. I did speak with another representative which told me my account had a XXXX cent balance but it was waived but a Manager will call me in 24-48 hours.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-31
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : Fay Servicing LLC : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX.

Account number XXXX.

Due to a family hardship, in XX/XX/XXXX, we applied for a loan modification with Fay Servicing LLC. We were approved for a loan modification with trial period of three months and with the new monthly payment of {$3200.00} Fixed interest of 3.78 %. The modification took a long time to be written up and in the mean time we kept paying the {$3200.00} every month until finally in XX/XX/XXXX all parties signed the required paperwork for the Mod. Few days after signing the paperwork, the account manager XXXX XXXX XXXX of Fay Servicing, called and told us that we had over two thousand dollars in the suspense account and that we could use that money for the XX/XX/XXXX payment, so we only had to pay the difference which was {$1000.00}. Unfortunately, the payment for XX/XX/XXXXwas already processing and could not be stopped. So I called XXXX XXXX XXXX  and asked if I could use the money in the suspense for the next paymentXX/XX/XXXX. She replied yes certainly and so we agreed on that transaction. Unfortunately, when I received the XX/XX/XXXX statement I noticed that no payment was received for XX/XX/XXXX. I called XXXX XXXX XXXX and she could not explain what happened to the XXXX XXXX XXXX  and that she thought the suspense money had been applied to the principal. We were very angry as we do not have any more money and we were never advised or asked if it was OK and the Modification paperwork did not state anything like that. We tried to get Fay servicing to fix this but they want us to agree to a repayment plan or stay behind a month on our mortgage which show us delinquent of 30 day. So after all this work to be honest and pay our mortgage Fay Servicing put us right back in the same hardship pre-modification. As an unemployed XXXX Veteran I am on a tight budget and a I can not afford. It is ashamed that Fay Servicing LLC develops these plots to force people out of their homes and make money for their clients such as XXXX who actually owns the note. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: LOBEL FINANCIAL CORPORATION
State: HI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
There was a judgment filed against me for default in XX/XX/XXXX. I was not notified or received any documents. I was not properly served or notified, therefore I could not defend myself. I did not sign an agreement to pay the debt collection company. They sent me an agreement I signed with car dealership that no longer exist, and on the agreement the debt collection company ( Lobel Financial Corp ) is not on the agreement, the original credit is XXXX XXXX XXXX.This is a third party debt collection company. Also the statue of limitations in California where debt was created has passed its maturity date. Lobel Financial has been garnishing my paychecks in XX/XX/XXXX. They have no right to collect a debt from over 10 years ago and I did not agree to pay a debt to Lobel Financial. They garnish {$280.00} from every paycheck. Also the judgement states I owe {$11000.00} but the attorney office of XXXX XXXX XXXX located in Hawaii states my debt is {$23000.00}. 

XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation