BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-23
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The loan on my home was being serviced by Litton Loan Servicing. I got behind on the loan because of health issues. My friend and associate loaned me money to bring the loan current and she was given an ownership interest in the property. She was given full Power of Attorney to get any information on the loan and to act on my behalf. The insurance policy on the property was changed. The premium for both the old policy and the new policy was taken out of the escrow account. An insurance premium of {$1600.00} was refunded to me. I was told to send the endorsed check back to Litton Loans and my escrow account would get the credit. The credit was never given. It was discovered that we had not received credit for several other payments. While we were in discussion with Litton Loan Servicing about the missing funds, we got notice the loan servicing was being transferred to Ocwen Loan Servicing. We were told by Litton Loans to take up the missing funds issue with Ocwen Loans. When Ocwen got the loan, the name on the loan changed as well as the payment and other charges. We still made every payment but four payments got lost in the servicing transfer. Ocwen Loans would not talk to us as the name on all the loan documents was now different and we could not provide identification in that name. It did not help that we were having very serious problems and the call center was overseas. They could not address the missing funds issue.Ocwen Loan Servicing started a foreclosure. The missing funds were never located or accounted for. The loan documents were in one name and the foreclosure was started in my proper name. The issue could not be resolved. We had to hire an attorney to represent us. The judge listened to all the issues in the foreclosure hearing and denied the Motion For Order Authorizing Sale. He agreed the accounting was problematic. The issue still has not be resolved. Ocwen Loans still wo n't talk to us and there is cloud on the title created by the name change on the loan documents. We can not afford another attorney. Massive fees are accumulating and a new foreclosure has been started. We desperately need someone to look into this situation and help us get an accurate loan balance and a clear title if the loan is paid off.

Company response to consumer: Closed
Consumer complaint received 2015-09-30
Company: Social Finance, Inc.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Received mail solicitation for personal loan. I submitted loan application online and uploaded paystub and verification of ID over a month ago. I have yet to receive an answer. When I call for status, they keep telling me that my loan is in underwriting and in the final stage. I feel as if I am being strung along. I have been told that they do not need any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This card is reporting twice on ALL credit bureaus and when I tried to apply again it says I already have a card and I do not please stop reporting it twice one says included in bankruptcy and other is just blank or says paying as agreed but one also has my credit usage at 176 % this is incorrect please delete this off and correct my information in your system I am trying to purchase a house and this effecting me negatively please correct ASAP and rescore 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 2022-06-04
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am writing due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete its investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$470.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$6500.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act XXXX XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-24
Company: RMB, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been making payments to the hospital every month I have proof! They have collected almost XXXX from insurance and I 've paid over XXXX and they still sent me to collection. I 've received 17 phone calls in one morning! What should I do? I 've been paying the hospital directly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
/ :. XXXX XXXX XXXX XXXX ACCT NO : XXXX PLACED ON MY XXXX CREDIT REPORT. 
/ : XXXX XXXX XXXX XXXX ACCT NO : XXXX PLACED ON MY XXXX CREDIT XXXX. 
/ :. XXXX XXXX XXXX XXXX ACCOUNT NO : XXXX PLACED ON MY TRANSUNION CREDIT REPORT. 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. 1681 C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 45U.S.C. 1681 S- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-08-28
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are very disappointed with the outcome of our complaint to your office ( complaint number XXXX ). We know now, we were victims of a predatory loan. The people who worked at XXXX XXXX XXXX XXXX in XXXX, PA, the office that prepared our refinancing in XXXX, were XXXX for fraudulently inflate mortgages. ( please read the article we found XXXX : XXXX ). We were unaware of this until many years later after our home went into foreclosure. We have also discovered the company they worked with XXXX XXXX ( whose name is on many of our refinance papers ) were also involved in the scheme. ( please read this article : XXXX : XXXX ). 

Also, our mortgage company now Ocwen, who took over our mortgage from GMAC, say our modified mortgage is not from the HAMP program which is not what we were led to believe. When we signed for the modified mortgage, we were told it is part of HAMP and we even wrote a letter to thank President Obama and we received a nice reply from him. 

Needless to say, we are very disappointed you did not follow up on our complaint as of this date. We are still underwater on our mortgage. Our modified mortgage is a principal of around XXXX but at the end of our 30 years we will still owe another $ 90,000+ which is so unfair. We will not rest until this is resolved. 

Sincerely, XXXX and XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed a dispute for incorrect information on my credit report and outdated collection record

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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am writing due to non-compliance with Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete its investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-01-05
Company: EQUIFAX, INC.
State: NJ
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:
I had a credit card account with XXXX  until XX/XX/2020. I called the credit card company " XXXX  '' to cancel my account because they charge me annual fees which I paid up till that point XXXX. they sent me a letter acknowledging the cancellation request. 
I cut the card up as directed I never used the card again, Then in XXXX, they charged me the annual fees again even though the account was canceled already. I called their attention to it and I was then assured that all will be taken care of. Then in XXXX, they charged me another annual fee installment with a late fee. 
Then they went ahead and put all these late fees and 30 days late on my account with the credit bureaus I called their attention to it they corrected the account on their own and I have been calling them to correct the credit reporting since it was their error. 
This reporting has had a negative impact on my credit and records Will like XXXX  to correct my records without delay with the three credit reporting agencies. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2020 I performed an international wire transfer from my checking account via online services. The amount transferred was {$4400.00}, I was also charged a transfer fee. The money was taken from my checking account and the transfer fee was deducted, however the recipient bank has never received the transferred funds. I first contacted my bank on XX/XX/XXXX notifying them of the missing funds. I have sent them over 10 secured messages, went into a branch, and filed multiple complaints. As of this date I have not gotten any answers or return personal messages regarding my missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo closed my primary checking account in overdraft, but the overdraft was entirely due to the bank 's assessment of fees for unauthorized debit attempts. 

Now, I can not access any historical data or monthly statements, even though the bank promised to provide 18 months of data online if I went " paperless. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Received a credit report from Experian today XX/XX/2016 that was dated for XX/XX/2016 with my name deliberately incorrect. My name is XXXX XXXX XXXX but my report was sent to me with XXXX XXXX XXXX. Please know that Experian has numerous copies of Driver License and Social Security Card. I 've enclosed the documentation of proof with this complaint.

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 2016-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
RE : Credit Inquiries Experian Credit Report There must be another person with the same name as me. There is inaccurate credit inquiries on my credit report. I am not aware of the credit inquiries circled on the credit report attached. 

Please provide me documentation bearing my signature, so that I can validate these credit inquires. 

I am requesting the documentation from credit companies, if they fail to provide me the documentation bearing my signature, then they must delete the account from all the reporting credit bureaus. 

Please address this matter within five business days of receiving this letter.

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 2022-06-04
Company: Maximus Education, LLC dba Aidvantage
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: Public record information inaccurate

Complaint:
I XXXX issues with us dept of education I filed bankruptcy in XXXX to only XXXX bureaus XXXX and when I was doing my paperwork last year for the forgiveness program I was informed I was in bankruptcy I challenge them and when I call them and ask why am I in bankruptcy still and my full discharge was in XX/XX/XXXX. The person on the phone said my bad we forgot to remove you so then they did the most unethical thing they deleted the XXXX entry from XXXX and now is blank because they know they could not enter it twice so they reported my bankruptcy date as of XX/XX/XXXX this is wrong report and needs to be deleted this drop my point by XXXX points and I want them put back or we will be in court about my credit profile. 

I applied to go to XXXX XXXX that was in the XXXX 's they then change their name to XXXX XXXX I never went to the school because I found out I was pregnant and could not attend. At that time was when paper checks were being issued they returned XXXX of the loan an never returned the rest no this has ballooned out of control I have been saying this for 25 years. Then come to find out this was predatory school and they are now closed when I ask for transcripts if I went there they could never produce them. How I found this out was went back to school in XXXX at XXXX XXXX I was granted full financial aid and then when the spring semester came about they told me I did not qualify for financial aid because I had a defaulted student loan from XXXX I ask them where this loan has been for all these years and I had a very common name XXXX XXXX Then I was XXXX XXXX my first husband I have applied for the forgiveness and it has been a year now no word. They have repeatedly sold this loan again and again and a lot of this is interest and lots of offsets. I disputed this with the Bureaus since last year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: NJ
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 contacted All 3 credit bureaus about the inaccurate information on my credit report on Early XXXX on more than one occasion. The three credit bureaus are supposed to report the same information, but they are not reporting the correct information regarding late payments for XXXX XXXX. The inaccurate late Payment that has been on my account has stopped me from getting the best rates in the loans and credit cards that I have applied for. It was not deleted. I also called XXXX XXXX  and nothing was changed. The status shows on Equifax and XXXX that I paid as agreed but on XXXX it shows that I was late 30 days. That is false and I would like you to verify it and get to the bottom of it, because the bureaus have not been responsive over the years. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.

Company response to consumer: Closed with explanation