BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: Resurgent Capital Services L.P.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/20 I sent correspondence to Resurgent Capital Services stating that I was a victim of identity theft ( XXXX Theft Letter to a Debt Collector_Resurgent Capital Services ). 
The letter was sent Certified Mail Return Receipt, and was in Resurgent Capital Services possession as of XX/XX/20 ( XXXX Receipt_Resurgent Capital Services_item mailed XXXX ). 
The letter explained to Resurgent Capital Services, that I am a victim of identity theft. In addition, the letter informed Resurgent Capital Services responsibilities under the Fair Credit Reporting Act ( FCRA ) ; which requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Resurgent Capital Services was asked to provide me with the records I requested ( XXXX Theft Letter to a Debt Collector_Resurgent Capital Services ). 
XXXX, Resurgent Capital Services was in receipt of this request on XXXX/XXXX/20. The 30-day deadline for me receiving the required documents has passed as of XXXX/XXXX/20. 
Section 609 ( e ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( e ) ( 1 ), requires a business entity to provide an identity theft victim with application and business transaction records evidencing any transaction that the victim alleges to be the result of identity theft. The business entity must provide such records not later than 30 days after the date of receipt of a request from a victim. 
The FTC also has issued guidance to businesses seeking to comply with FCRA Section 609 ( XXXX ). Each guidance document states that businesses must provide records directly to victims upon request. 
It appears that Resurgent Capital Services failure to provide the requested documentation does not comply with the requirements of the FCRA. Therefore, please provide me with copies of the application for the account and the transaction records concerning this fraudulent debt. Relevant documents should include, but are not limited to, the following types of records : Application records or screen prints of Internet/phone applications Billing statements Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Signatures on applications and accounts Any other documents or records associated with the account Again, since I have not received these records, I believe your company is in willful violation of FCRA Section 609 ( e ) 15 U.S.C. 1681g ( e ). 
If you believe you are not required to provide any part of the documentation requested in this letter, please provide me with a written explanation of your position within 14 days of the date of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My current subprime mortgage provider is OCWEN. I have a 15 days grace period to pay without late fees. However, it is only available before and up to 10 days after your due date. Between the XXXX15 days in order to pay online, we are charged a {$10.00} fee. I have tried mailing my payment to avoid the {$10.00} fee but always they claim they did n't receive it which makes it worst because then it is a 5 % late fee. If I have a 15 days grace period then it should be free to pay online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: GA
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:
Ive sent a copy of an FTC report to equifax and XXXX and they REFUSED TO remove the inquires. I did not authorize the following companies to pull my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX  policies paid from escrow and remianing escrow money returned to me ( remember this! it will come in later ) XX/XX/XXXX2020 PRMI letter stating escrow has been removed from my loan XX/XX/XXXX2020 PRMI letter stating loan no longer escrowing for homeowners insurance. ( remember this! it will come in later ) XX/XX/20-I sent and XXXX sent proof of flood insurance of paid in full. 
XX/XX/20-I sent in letter to waive escrow and your form to remove flood from escrow ( after Id gotten notice you were going to escrow it ) .I should not have had to do this since escrow account had been removed from loan and flood insurance had been paid in full by me. 
I contacted PRMI customer service several times asking why abd they said IT HAD TO BE ESCROWED. When asked why, I was told that federal requirements mandate it. My loan in conventional. It follows XXXX XXXX rules. NOWHERE in XXXX XXXX rules does it say it has to be escrowed. It says it has to be COLLECTED if in flood zone. I can quote you the rule if you like. 
Now we come to PRMI Flood Insurance Coverage Subject to Change Disclosure form. Second paragraph, last sentence says : '' IF flood insurance is required AND you escrow your taxes and insurance. the lender must include flood insurance in the escrow account. ". 
Since I havent had an escrow account since XX/XX/XXXX or XXXX whichever date you pick, then I am not required to escrow. If an escrow account was recreated for my flood and added to my loan it was an error and you need to fix it and delete it. 
I have been trying to resolve this since XX/XX/XXXX20 within PRMI and they have refused to remove the escrow account. There is no reason why. This could have been simple, easy, painless, good customer service, good experience, but no. And I have never been late with a payment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX Employer XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX AZ XXXX Collections : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2015-06-01
Company: Thomas & Williams LLC
State: IL
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received a call from a company, XXXX XXXX, stating that I owed a payday loan that I never took. I did look into one years ago, but the fees were outrageous and I did n't finalize anything. They stated that it was my responsibilty to prove I did n't take it and that the fact that they had my information was enough for them to prove I did. All I have is a phone number for them, XXXX and after searching online, I found that they are doing this to alot of consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} - Charge-off XXXXXXXX XXXX XXXXXXXX Balance : $ XXXX Charge-off

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 2022-03-14
Company: EQUIFAX, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Duncan Solutions, lnc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am in receipt of Professional Account Management, LLC., letter informing me that they are handling the collection of an account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Professional Account Management LLC., and me which makes them entitled to enforce a commercial claim against 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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations 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 explanation
Consumer complaint received 2022-03-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
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 inquiries that I do not recognize on my XXXX credit report! 

These inquiries are for : XXXX XXXX, XXXX XXXX, and BMO Harris bank. They were all made on the same day, which was XX/XX/2020. 


I contacted XXXX and provided all necessary information to prove it wasn't me -- but they did not remove the inquiries!

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 2022-01-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a bank account at US Bank on XX/XX/2021 based on a promotion offered me in the mail to earn {$300.00} if I kept {$3000.00} in that account within 30 days of opening the account. I deposited the funds in my account on XX/XX/2021. I also had to enroll in their mobile app within 60 days of the account opening. I downloaded the app on XX/XX/2021. Despite meeting all the requirements of the promotional offer, I have not been given the {$300.00} in my checking account. I have reached out to the representative who opened my account, but he has no answer for me.

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 2016-02-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Ocwen Mortgage is incorrectly reporting my credit history. They show XXXX accounts on my credit report when I have had only XXXX. They show late payments that they had agreed not to show as part of an agreement. I have informed them several times and they refuse to correct it which is a violation of FCRA Section XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX Case XXXX XXXX XXXX XXXX XXXX, 1997, Filed ( XXXX No. XXXX ) as well as a violation of the precedent set by the XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, KOHLS/CAPITAL ONE XXXX Date Opened XX/XX/2015 Balance ; {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and

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 2015-11-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing has violated 12 CFR 226.13, FDCPA, 15 USC 1635, TILA Rescission served upon them timely. Ocwen after being served notice of Rescission, TILA in Rescission and Billing Error Notice, alleges to have sold the loan to another debt collector without providing any disclosures in compliance with federal law. Ocwen also was served IRS Forms XXXX XXXX & XXXX and thus failed to take the necessary action. Ocwen reported adverse action credit reporting agencies in violation of 226.13 ( d ) ( 1 ) 12 CFR 226.23.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi, Back in 2014 I filed a CH XXXX Bankruptcy that did NOT include my mortgage lender. I recently noticed that on my Credit bureau report they have it reported " closed for derogatory reasons ''. I have never been late on my mortgage ever. ( I did open a dispute with the credit bureau report services and am awaiting a response ). But I also noticed that my payments which I pay on a biweekly basis with the sole purpose of saving on daily interest in the long run. However appears all my payments are going in a " suspense '' account and not even being credited to my Loan as they are received. This I am confused about? How is this legal they can do this and short me of all the potential interest I could be saving? I have never missed a payment, nor ever been late. This was not filed in my bankruptcy. I am having a hard time understanding. And when I reach out to them I can sit on hold for OVER an hour 90 % of the time. I got a hold of a rep once in numerous attempts who explained this " suspense account '' to me, with no reasoning or explanation as to why. Just said that 's how it is because I am in bankruptcy ( again even thou my Mortgage was NOT included in the Bankruptcy ) So I need to know 1 ) why is this reflecting closed and derogatory on my credit bureau. And 2 ) why are the payments not be credited accordingly to save on the per diem as it should be? Any assistance would greatly be appreciated!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, my ex-wife and I finalized our divorce. In the divorce filing she fully relinquished all interest in our home to me. At the time our home was in the negative and had no equity. Our home had a 1st and 2nd mortgage with XXXX. Because of the divorce and reduced income I could not afford the payments and the home went into foreclosure. 

In XXXX, my ex-wife filed and received a chapter XXXX discharged bankruptcy which included her interest in the 1st and 2nd home loans. 

In XXXX XXXX, I received a " Cancellation of Debt '' IRS XXXX from the 2nd XXXX on the house, which was no longer from XXXX, but now held by " Greentree Servicing. '' The XXXX was for {$72000.00} I filed XXXX in my XXXX income taxes. I checked my credit reports and all XXXX bureaus reported that I was in arrears in the XXXX XXXX loan. I wrote XXXX letters to Greentree about the XXXX and the fact that it was being reported as being " late payments. '' Greentree wrote back to me and indicated they had no record for me having a loan with them even though, I had provided my SSN and account number. This scenario went on for many months. 

In XXXX, I reached an agreement and a loan modification on my 1st mortgage with XXXX and managed to keep my home. I currently reside in the same house. 

In XXXX, after I made several calls to Greentree, and after being told that they had no record of me, one of their representatives found my loan record. He advised that my loan could n't be found because it was a " Closed and Released '' file and that it was no longer considered collectable. I explained to the representative that there was negative reporting on my credit reports and an existing lien on file against my home by their firm. He promised me that it would be corrected. He said they would report that my account was closed and " charged off. '' He also told me that they would " XXXX '' the XXXX XXXX lien against the house since the debt was dismissed and I had already received an IRS XXXX in XXXX for the debt. 

As promised, Greentree did eventually stop the negative reporting on my credit reports. 

The existing problem and my complaint is that I checked with XXXX title companies and XXXX XXXX XXXX XXXX and Greentree has not removed the XXXX XXXX lien against my house and reconveyed the lien as promised. 

In the last month, I called Greentree in regards to this matter and they once again are telling me there is no record of me or the loan and therefore they can not reconvey the XXXX since they have no record of it and it basically does n't exist. 

I need your help in getting this XXXX XXXX lien removed/reconveyed against my house since that is what I was charged for in the XXXX - XXXX tax form and was promised by Greentree when they told me told the loan was " Closed and Released. ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief