BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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:
The documentation Portfolio Recovery Associates, LLC, continues to send me as " proof the debt is mine '' is false under the laws of the FTC, FCRA. Again, they have no proof of my legal signature, no proof of a contract between me and Portfolio, let alone the companies they claim to have bought the debt from. The companies themselves say they have no required proof of 1 ) my legal signature, 2 ) my voice recorded by phone applying for a line of credit, 3 ) a  video surveillance of me submitting an application for credit. There is NO proof. These accounts can not be validated in any way, shape, or form. Copies of bills are not proper proof of validation. They do not hold up in a court of law. 

I have been at this since XX/XX/2018. The only thing Portfolio sends me repeatedly are the same copies of bills. Furthermore, because they have no documentation, they keep requesting I send them further documentation. Like them, there is nothing to send because these are not my accounts. They " terminate the investigation into these accounts '' because they know they have NOTHING. 

I am attaching what I keep receiving over and over again. I want these accounts removed from ALL credit bureaus immediately. This is my last attempt. Next course of action is to serve them court papers to appear before a judge in my jurisdiction where I will also request the allowed {$1000.00} per listing, per offense and per defamation of character and all legal fees which could incur upwards of {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Ocwen Financial Corporation
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Ocwenloans took over a loan we had. When we were forced to sell our home in a short sale, part of the agreement in the settlement was that Ocwen would remove the item from our credit files. We disputed this with the credit bureaus and they left it on all XXXX files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hunter Warfield is trying to collect {$150.00} for carpet replacement. I have asked Hunter Warfield to abide by the Texas law which states, " The landlord may not charge you for normal wear and tear on the premises and may only charge for actual abnormal damage. '' My use of the carpet did not go beyond normal wear and tear. 

I have disputed the validity of this collection several times, Hunter Warfield was unable to provide any proof such as pictures. The XXXX XXXX no longer owns XXXX XXXX XXXX. 

To this date, the collection remains on my credit report, and Hunter Warfield refuses to delete the account from my credit report, despite several goodwill efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please see complaint [ Case number : XXXX ] as this is in addition to the previous case. Ditech has now confirmed that we did indeed payoff our loan. They have yet to return escrow funds and mortgage release. 
They have placed a negative incident on my credit report with XXXX, stating that my XX/XX/XXXX payment was 31-60 days delinquent. Since they received full payment for mortgage payoff on XXXX XXXX ( check cleared ) they had no right to give negative incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: MN
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: MN
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 am submitting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Below are the list of accounts need to fix : XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXXXXXX XXXX Owed : {$7100.00} ; XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed XXXX {$1700.00} ; XXXX XXXX Balance Owed : {$3400.00}.

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 2015-08-27
Company: Ocwen Financial Corporation
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
My home was damaged by fire in XXXX 2013, a claim was submitted to XXXX XXXX XXXX XXXX by Ocwen Loan Servicing, my mortgage company. The total amount approved by XXXX XXXX to cover the cost of the damages was {$150000.00} of which {$14000.00} was held back, and is still being held by XXXX XXXX as recoverable depreciation. Of the {$130000.00} that was disbursed to Ocwen, only {$100000.00} was paid toward the required repairs to my home. I have been trying to get Ocwen to release the remainder of the funds to enable me to complete repairs on my home, but to no avail, they are stating that all monies paid to them by the insurance company has been disbursed for repairs to the property. I even tried speaking with XXXX XXXX about releasing the recoverable depreciation to assist me in completing the repairs, but I am getting nowhere. I am currently paying the mortgage on the property that is not habitable. The other issue I am facing is that, in spite of the fact that the house repairs are incomplete, Ocwen is claiming that they have been sending inspectors to the property to appraise the progress of the repairs, and they have subsequently received a work complete report from their inspector, whose name remains a mystery. 
On another matter, I would appreciate if you would look into the work ethics of XXXX XXXX XXXX, also known as XXXX XXXX XXXX, they are the contractors whom I hired to do the repairs on my home, but they decided to take the insurance funds and not do the required work, incidentally, this was what drew my attention to the fact that Ocwen was withholding insurance funds. XXXX XXXX. XXXX XXXX, accepted and cashed checks by forging my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My home is underwater I owe more than its worth and I needed help. 
So I applied for a Principal Reduction and a Loan Modification with Ocwen LLC ; XXXX XXXX. I requested the Loan Modification package several times from Ocwen in writing and received it the last part of XXXX XXXX. I also did at the same time apply for Keep Your XXXX California in XXXX XXXX. I received a letter from Ocwen dated XXXX/XXXX/XXXX with an Auto-generated value assessment of some sort? Contained within the document were comparables that were miles away, brand new custom homes nothing like my home. I have a track home which was valued at the low XXXX 's. I submitted to Ocwen MLS Comparables in my neighborhood realistic values ; with the highest value at XXXX. 
I submitted requested documents to Keep Your Home California while submitting the loan modification package to Ocwen twice. By XXXX XXXX, XXXX Keep Your Home California sent me correspondence stating that I qualify for a Principal Reduction. Keep Your Home California had requested my old Loan Modification from 5 years ago to help with the process ; I then wrote Ocwen requesting a copy of my modification be sent to Keep Your Home California ; I did this twice. By XXXX/XXXX/XXXX Ocwen LLC sent correspondence to me that they had received my application for assistance and the process would take 30 days to review. In the meantime I had requested in writing for someone to help me through this process and on XXXX XXXX, XXXX ; I received a letter from Ocwen saying I had a relationship manager XXXX XXXX. On XXXX XXXX, XXXX ; I received another letter from Ocwen that they had received my request for assistance and it would take 30 days to review my application. This process with Ocwen has been confusing and stressful to say the least! Now to make matters worst in the process I receive a letter from Keep Your Home California stating that my loan servicer Ocwen has not approved my loan for participation in the KYHC program. It appears Ocwen LLC wants me to loose my home ; Keep Your Home California stated that I had qualified for the program. Ocwen has participated with Keep Your Home California when I use them before on XXXX XXXX, XXXX. I received the Satisfied Reconveyance Deed XXXX XXXX, XXXX. 
Ocwen LLC is preventing me from obtaining a principal reduction to help make my payments affordable. My family has lived in our home for 23 years and I need your help so we can keep our family home and not loose it to foreclosure. I will attach all supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Sequium Asset Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sequium Asset Solutions reported a delinquent XXXX XXXX account on my credit report. Neither the name or address are mine. I contacted Sequium and informed them to which they stated that they would place the account in a fraud status until further investigation was done. That simply means they won't try to collect the debt, but they were not saying that they would remove the account from my credit. I informed them that this is the 2nd collections company to have reported it to my credit and the first one was deleted by the XXXX XXXX XXXX and the credit reporting bureau. Additionally, I have a fraud alert on my credit specifically due to this activity. They made no effort to collect any amplifying information from me with the intent to delete the inaccuracy from my report. I was told by Sequium that I would need to contact XXXX XXXX XXXX to have them " pull it back ''. I did that and XXXX XXXX XXXX told me because it was already sent to an external collections company that Sequium would have to delete it. Sequium is the 2nd company to irresponsibly report negative debts on my credit for this account and should be reprimanded for it. Collection companies should have a responsibility to verify the identity of accounts before sending them to the credit bureaus. Based on the information contained on my report, Sequium made little if any effort to make notification or attempt a collection before reporting it. The time between the account being deleted the first time to the second reporting of it was less than 60 days. I only found it by happenstance. 
Attached is the correspondence with XXXX XXXX XXXX. They determined the account to be fraud and deleted it, so I expect Sequium to do the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, we were first notified in writing of a debt collection agency was pursuing a debt owed on a credit card account of {$1700.00}. The notification from the debt collector, XXXX XXXX XXXX ) was the first instance of ever being notified that an account existed and that there was money owed on the account. Based on the info I received in this notification, I contacted XXXX who line of credit was opened through and was hung up upon. I then checked the XXXX credit reporting agencies and confirmed that no line of credit was ever open with XXXX. The only record of this line of credit is when XXXX XXXX XXXX, began to work in pursuit of collecting the debt and reported the collection to the various bureaus on XX/XX/XXXX. There is no record of ever opening this line of credit with XXXX XXXX incurring the debt from XXXX XXXX, or being notified of the debt from XXXX XXXX  before the account being sent to XXXX. I have continued to respond in writing to XXXX and their legal team XXXX XXXX XXXX XXXX XXXX XXXX  and repeatedly have asked them for the signed authorization when the line of credit was opened and the purchase that created this debt. I have only received an Account Statement from XXXX XXXX from XX/XX/XXXX that shows the amount owed {$1700.00} it is not the statement showing the original purchase, and nothing has ever been provided showing the line of credit authorized to be open. I will add that the address on this statement is a home address that I have not lived in for over XXXX  years which is very alarming and concerns me that this could be fraudulent as well. There is potential that this line of credit was opened fraudulently, but I'm unable to file a police report as I have nothing to show that this line of credit even exists. The last written correspondence from XXXX XXXX XX/XX/XXXX XXXX states that they have received and reviewed the dispute but they still feel the debt is owed. I do not owe this debt. My credit report can serve as evidence that the account was never opened, and XXXX XXXX have yet to provide any of the requested documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: OH
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: OH
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

EXPERIAN : XXXXXXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-15
Company: EQUIFAX, 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 dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information 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 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 2022-01-05
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$230.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor ... ... ... ... ... ... ... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$790.00} Open balance XXXX XXXX  FOR XXXX XXXX XXXX  Original creditor ... .. .... .... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$350.00} Open balance XXXX XXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I need the assistance of the Consumer Financial Protection Bureau with the issue that I am facing. For the past couple of months, dozens of inquiries have been added to my credit report that I have NOT authorized. A scam company called " XXXX XXXX XXXX XXXX '' has been using my personal information and sending it out to several outside sources to pull my credit. I have not signed any documents or applications to cause more than 100 inquiries to be made on my Experian report. They initially sold me on the promise of helping me start a business but nothing ever became of that. I requested a Cease and Desist months ago and contacted them again this past XX/XX/XXXX but that has not stopped them from sending my information out and causing more unauthorized inquiries to be made on my credit. The person who was in charge of my account at XXXX XXXX XXXX was called XXXX XXXX. I am including a copy of the email I sent to his company requesting a Cease and Desist. I  have discovered that they are still causing more inquiries to be made with other companies I have not requested to work with. I am considering taking them to court and suing them but I also need Experian to delete ALL unauthorized inquiries. I also will need a fraud alert to be added to my credit as my information has been compromised by this scam company.

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