BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-29
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage on my home is serviced by Ocwen. I believe Ocwen is ripping me off. 

I have a thirty year mortgage with an initial loan balance of approximately {$150000.00}. After making twelve ( 12 ) years of payments, my current loan balance is approximately {$140000.00}. Where have all of my mortgage payments gone? Ocwen has added huge fees to my account and refuses to correct the balance. 

Also, my escrow account is incorrect. I completed a personal bankruptcy and repaid everything 100 %. The Judge in my case declared my mortgage account and escrow completely current. However, Ocwen says I have an escrow shortage of over {$3000.00} even though I made all of the required payments in full and on time. Ocwen refuses to correct my escrow account for almost a year. Ocwen is trying to run me out of my house by incorrectly increasing my payments to cover the incorrect escrow shortgage. Furthermore, Ocwen violated the Fair Debt Collection Practices Act in Court. 

My mortgage loan balance is incorrect. Ocwen appears to have added huge amounts and fees to my loan balance even though I have been paying on my mortgage for twelve years and I am current today. 

I have been working with OCWEN for over a year now and I can not get my mortgage account and escrow account corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: VW Credit
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
Volkwagen XXXX XXXX and Volkwagen Credit, made an improper " hard '' credit inquiry in 2014 resulting in subsequent adverse credit decisions including denial of credit or higher interest rates. I authorized XXXX inquiry during an application of the lease of a vehicle. I contacted the reporting credit bureaus who referred me to Volkswagen Credit and its agent, Volkswagen XXXX XXXX. To date, only Volkswagen Credit responded and refuses to remove the inaccurate data. I do not dispute that I applied for the loan and authorized a credit inquiry. The dispute is about the number and timing of the other unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: FIRST HERITAGE CREDIT LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Keep getting called for a debt I do not owe. I 've called them XXXX times to ask them to remove my number. They are asking for a person who I do not have contact with. They keep telling me they will remove my number but it has yet to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06
Company: CBC Credit Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
They are trying to collect a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX balance {$2600.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX balance {$420.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX balance {$620.00} - This account must be delete immediately due to years of late payments after account was already closed. 

XXXX XXXX XXXX balance {$95.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX balance {$100.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX Balance : {$250.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX Balance : {$83.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX Balance : {$110.00} - Account is reporting inconsistent and inaccurate, please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage check was sent on time and cashed by Caliber Home Loans. A notification of past due amount on XXXX showed a balance of XXXX higher without explanation. A call to customer service on XXXX revealed this to be due to the recalculation of escrow impounds but insisted on a check which could not be delivered the same day. 
A follow up call on XXXX expedited bringing the account into balance using a routing number for the balance due but no guarantees were made regarding reporting to credit bureaus. Unapplied funds and the additional payment are to be posted later today ( XXXX ) and a late fee will be removed from the account. 
The account does not show contact with credit bureaus has been made at this time, however, I was told the account will show partial payment at the end of the month and may be automatically be sent to credit bureaus between XXXX and XXXX of the month. 
Online statement balances show incorrect amounts due to not displaying a late fee and applying the late fee to future payments ( screenshot is available ). 
A dispute letter was faxed and mailed on XXXX requesting:XXXX Get all payments made and received by XXXX applied to the loan account ( mortgage payment cashed on XXXX and escrow shortfall paid via routing number ) XXXX. Verify that no contact has been made with credit reporting agencies. 
XXXX If contact has been made with credit reporting agencies regarding past due amounts. 
XXXX The submission must be reversed as per RESPA rules regarding disputes. 
XXXX The submission is requested to be permanently reversed as all payments for the loan principal and interest have been made and all escrow amounts have been paid in good faith within the grace period. 
XXXX. Receive a correct explanation of total escrow charges including current total annual escrow amount, current balance, and impact to regular monthly payment. 
XXXX. Correct total on the online statement to reflect the current state of the account and render totals correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Caliber Home Loans, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I emailed XXXX a hardship letter on XXXX/XXXX/XXXX. Received an email from XXXX XXXX, XXXX on XXXX/XXXX/XXXX stating that she would be my contact person. I told her that I was interested in the XXXX program ( Deed in Lieu ). I sent my signed Hardship affidavit on XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX I started working with XXXX XXXX - Deed in Lieu Negotiator. On XXXX/XXXX/XXXX XXXX XXXX told me that my loan was sold and I had to contact Caliber Home Loan from now on. I thought that was strange because we were about finish with my Deed in Lieu. On XXXX/XXXX/XXXX I received an agreement to sign and return. In this agreement I was told to vacate the property by XXXX/XXXX/XXXX. 
I do n't understand how XXXX can sell my loan in the middle of me doing a Deed In Lieu with them. Now I have to start the whole process over. 
CitiMortgage title attorney have been looking for liens and judgments since the end of XXXX. On yesterday Caliber Home Loan called to tell me that there was XXXX liens or judgments against my property. A XXXX XXXX tax judgment for {$130.00} and XXXX from when I refinanced in XXXX XXXX Mortgage did n't do a release of mortgage. I was told that I had to contact them to clear everything up. When contacted XXXX. They said that they did n't have any judgments on me. I did n't think so because I receive a refund every year. The XXXX Mortgage is XXXX of my previous mortgage company 's but I do n't understand how I 'm suppose to do a release of mortgage. 
I really think that they are trying to stall my deed in lieu process to avoid granting me the relocation fee of {$10000.00} as stated in my signed XXXX agreement. I moved out in XXXX like I was told to do. I did everything I was told to do. I need the relocation incentive payment to pay for overdue utility bills on the property and moving expenses. Now they are asking me to pay rent at my new location and mortgage at the old location. I cant afford all of these expenses. 
Any help in this matter would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My wife and I have A XXXX credit card ... .my wife ordered a shirt from the store @ XXXX XXXX XXXX store.The shirt arrived was great when she got the bill she called the store @ XXXX and paid the bill over the phone in full ... .the next month she got a bill that stated that the XXXX payment was returned because she paid with a debit card ... ..How was she to know that the charge payment was returned. When she called she was told that they do not accept debit cards over the phone???? Will accept in store so we got a XXXX dollar charge for returned payment and XXXX charge for late payment ... ... .if we were not in our XXXX 's they would not be taking such advantage of us We paid our bill in good faith ..was pleanty of funds ... we were never told that the payment was not accepted till it was too late. Not fair!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-04
Company: Alorica Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I mailed West Asset Managment a validation of debt request letter on XX/XX/2015. 

Pursuant to the Fair Debt Collection Practices Act, I requested the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; andProvide me with your license numbers and Registered Agent. 

I requested the information be furnished to me within 30 days or all collection activity cease and negative accounts be removed from my credit reportsWest Asett Management failed to respond to my validation request within 30 days from the date of their receipt. 

I received a letter dated XXXX/XXXX/2015 from West Asset Management stating that " pursuant to the enclosed debt verification, West Asset Management , Inc. and it 's client ( XXXX XXXX XXXX XXXX ) have concluded that the information on my credit report is accurate ''. However, there was no enclosed debt verification attached to the letter they sent me. 

West Asset Managment does not have a license to collect in the state I reside in ( Missouri ). 

I believe West Asset Management is unethical and nlawful debt practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I just looked up my credit report and was shocked to see that Portfolio Recovery still had a collection on my account that is not my debt. Portfolio Recovery called me XX/XX/XXXX and told me that I have an old balance on a credit card that was with XXXX XXXX for {$250.00} for the year XX/XX/XXXX. I asked them to provide me the information on the outstanding balance in writing and they have never done so as of this date XXXX/XXXX/XXXX. They indicated to me that they buy bad debt and then collect it. I have not checked my credit report until today XXXX/XXXX/XXXX and I found that they have put a collection on my credit report and that it has affected my credit score in a negative way. I have had an outstanding credit score for over 30 years and I would like to report a fraud. I can prove that this debt is not mine because the XXXX XXXX Account that they are referring to was paid in full XXXX/XXXX/XXXX. Portfolio Recovery said they bought this bad debt from XXXX and they are collecting on it. I always pay my credit cards off and on time. This debt is not mine and I want Portfolio Recovery to reinstate my credit score immediately and write me a letter pertaining to this matter as it is affecting me in my purchase of a new home. This debt is not mine and I can prove it. I know and understand why companies try to get you to pay a debt that is not yours because it is under {$500.00}. This is wrong in so many ways and I want to report Portfolio Recover to the consumers so this scheme does not happen again. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been called non stop for a few years about a debt, I have filed the paper work they need to clear me of the debt and they will not stop. They are claiming it is a XXXX XXXX account but all my XXXX XXXX accounts are in good ordered and closed, I called XXXX XXXX they say there is no outstanding debt owed. They have also, some how found a number I work at and called and notified a friend of the debt they are trying to collect and giving me a bad name. I have told them not to call me back everytime they called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
These medical collections that the collections agencies keep hounding me about that are on my credit report have been illegally obtained. They are in violation of Hipaa. They sent me back itemized bills of procedues, medications, etc. Straight from the medical facility. I sent certified letters to the collections agengies for validation of debt and the had nothing signed by me stating that it was ok to obtain all my private and person medical records that were specifically written on a bill..I will also send a Hipaa Violation letter to these reporting collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I can see, from previous credit reports, that the collection agency continues to change the name of the collection agency, the name of the original creditor and the exact dollar amount so that the debt remains on my credit report longer than 7 years. This tactic is nasty and unfair. My past credit information is attached. 

Please advise on the best way to handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. No proof if ID card etc. 
Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is reporting an incorrect status on my credit report. This account was obtained by Portfolio Recovery Associates XX/XX/XXXX and has since been reporting as an open and revolving account, even though it is a collection account. This company is updating my as a charge off on credit report every month making it appear that I am getting a new charge off/ late status on my credit report every month. After paying the company my debt owed in XX/XX/XXXX the company again updated the account as a closed charge off, and left a years worth of late payments on my credit file. I have tried to ommunicate this error with the company directly multiple times, and the company only ever says they are reporting correctly, and that is is the credit bureaus faul, which is incorrect. A collections company should not be reporting a charge off status as they were not the ones who extended the credit to begin with, and they should ot be reporting as a revolving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have ben receiving calls from Portfolio Recovery saying they were representing XXXX XXXX Bank on a debt that I supposedly owed from 2000. I do not recall this debt and if I had this debt, it has been 15 years. I have been receiving harassing phone calls day and day out from all kinds of numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: Harley Davidson Financial Services Inc
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Harley Davidson Finance AKA XXXX XXXX is not computing their so-called simple interest contracts using the same formulas which change month to month in order to charge more interest to consumers. 
Additionally, XXXX is holding payments from consumers and posting them later in order to collect a larger per diem interest rate which makes them more profits and lengthens contract terms to their benefit. It also costs consumers more over the life of the loan in interest. 

My billing on XXXX/XXXX/15 based on my interest rate of 12.99 which is basically legal loansharking which SHOULD account for a reduced daily per diem because of a reduced principal balance per the statement states:XX/XX/2015Payment $ XXXXInterest $ XXXXPrincipal : $ XXXXXX/XX/2015Payment $ XXXXInterest $ XXXXPrincipal $ XXXXXXXX claims although the daily per diem interest costs should decrease my interest costs have increased which is the opposite of how so-called simple interest loans operate. 

Basically, XXXX contracts need an audit from your agency because this affects XXXX loans & consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: F.H. Cann & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received another call today from F.H. Cann after having submitted a previous complaint against them. They were supposed to have put my phone number on a do not call list, yet I am still receiving calls from them. I do not owe any money and only started receiving these calls from debt collection agencies when I got my new cell phone ( XXXX XXXX ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: Bliksum, LLC
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
A company called XXXX worked on raising capital for my XXXX ( XXXX ). They secured and authorized a {$56000.00} loan for my company through Loanme.com. Before the loan was funded to my corp bank account, XXXX withheld {$5000.00} from the loan and Loanme.com withheld an additional XXXX % totaling {$5600.00}. The loan I received was for {$45000.00} in XXXX 2015. What I know now, is that my monthly payment on this loan is XXXX a month for 10 years totaling {$520000.00} payback. That is over XXXX dollars on a loan I never initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Carter-Young, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a more detailed accounting of event that I never asked for or authorized. I have been in the XXXX XXXX XXXX XXXX  until XXXX of 2019 and I have asked this collection agency of verification of the dept. It is not possible to prove a debt that is not mine and the State of Texas can prove my XXXX 
I get no response from the creditor or collection agency when trying to resolve this matter

Company response to consumer: Closed with explanation