BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our loan was sold to Ocwen Mortgage Serving and ever since everything is a mess. They send someone out to our home monthly to verify that we are living in it and charge us between 50 and 300 dollars each time. I have called numerous times to see what this is all about to just be given the run around. I have become XXXX month behind on our payment due to a family tragedy and have made sure we fall no further behind. Yet they continue to harrass us constantly and have their people who verify that we live in our home make threats to us. It is unnerving. We have tried to work with them to modify out loan yet they refuse to do so. At first it was because we were not behind so we did not qualify now it is because we are behind. Our mortgage is set up with a balloon payment at the end of the loan and we were trying to modify the loan to get rid of this payment. As our previous home loan servicer would not offer us any other option for a modify other than to add a balloon payment on the end of the loan. We have asked for a principal reduction and were told they will not do that. We are at a standstill with this situation. We heard there was a settlement made between Ocwen and the government and when I asked Ocwen about it they cut me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: MS
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 AM THE VICTIM OF IDENTITY THEFT. THE INFORMATION LISTED BELOW WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a current customer of Freedom mortgage and requested a Cash out refinance back in XXXX of 2021. They asked me to provide a {$300.00} deposit for an appraisal which I did back in XXXX they indicated that I would be refunded the {$300.00} if anything happened and the refinancing did not go through because of the incompetence of their customer service department they did not get the paperwork processed in time on XX/XX/2021 on their form I requested a refund of that {$300.00} they indicated it would take 10 to 14 business days for it to show up in my checking account today is XX/XX/XXXX and after numerous emails back and forth about this {$300.00} I am still yet to receive it. I have copied the emails and attach them for your perusal.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-12-22
Company: SYNCHRONY FINANCIAL
State: PA
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 filed a dispute in XX/XX/XXXX with Walmart, XXXX XXXX, XXXX and XXXX. My complaint was inaccurate information on all three credit reports that came from one furnisher. 
Synchrony Bank provided all three credit bureaus my account information and all three document different information on my credit reports. 
The date of last delinquency XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX did they re-age my account? 
Charge off sequence according to XXXX XXXX is in accurate. 
XXXX XXXX has payment until XX/XX/XXXX I made payments XXXX and XX/XX/XXXX XXXX has payment until XX/XX/XXXX says 60 days late also 60 days late XX/XX/XXXX XXXX has payment until XX/XX/XXXX late 30 ,60 ,90 days charge off XX/XX/XXXX also XX/XX/XXXX I was not 30 days late. I received a request from Synchrony for more information. completed and faxed back. XX/XX/XXXX I received updated credit reports saying all information was VERIFIED and ACCURATE. I replied with the attached letter dated XXXX XXXX asking how and when this information was verified. XXXX XXXX removed the account. XXXX and XXXX did not fix the problem nor answer the question. XXXX has delete my payment history. XXXX removed my payment history from XXXX and continue to report on a charge off account in XXXX. How is this fair or accurate. 
Please see my attached letter dated XX/XX/XXXX it list the multiple calls I have made to Synchrony to have this account removed.

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 2016-09-21
Company: Diverse Funding Associates LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Sent request fo rfull medial validation within 30 days of receiving dunning letter which included requesting only written correspondence no phone calls. Checked with department of the treasury Division for Revenue and Business Enterprise on XX/XX/2016 and was informed that Diverse Funding Associates does not have a collection agency bond or license to collect in the state of New Jersey. They are illegally attempting to collect on a debt which is in violation of NJ Law. Informed company in writing via certified mail they are illegally attempting to collect. Did not provide full media validation as requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discover is in many violations. I have been a victim of identity theft and I'm very irritated because I have not gotten one piece of correspondence. The account does not belong to me. Today I actually called and was told that a law firm took my file. I called the law at XXXX when I called I was told they dont even have my file. Then I called discover back again and after several transferred calls I was transferred to a law firm by the name of XXXX and I was told my case is on hold. He advised that my claim was denied back in XXXX. However until today I have not received anything from Discover how can tis even be valid??? to top it off the bureas claim my information is being verified when discover does not even have my file. There are many violations and no one is doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm desperately asking for your help with my mortgage Servicing company Ocwen Loan Servicing & the investor of my mortgage loan XXXX XXXX. I have been living in my house since XX/XX/XXXX. I bought my property at a very high value of {$890000.00} at that time. Now my property is worth half of that. I 'm a struggling home owner, I have a daughter that is going through XXXX at this time and It has been extremely difficult morally, financially and XXXX. I do n't want to lose my home at this time when my daughter is going through this difficult time. We have nowhere to go. 
I have asked Ocwen Loan Servicing to help me out but apparently the investor of my loan XXXX XXXX does not want to help me out. On XXXX XXXX, XXXX they have denied me for a loan modification. When XXXX XXXX needed help during the government bailouts, XXXX XXXX took more than XXXX dollars of from us tax payers, and I believe they paid back the money, but my point is that everyone needs help at one point and for me unfortunately I 'm asking for help a second time. 
Today I 'm asking you as a representative of the people to help me in pursuing Ocwen Loan Servicing & XXXX XXXX to help me so I wo n't lose my property. I became late in my mortgage payments because the reduction in my monthly income. I was a self-employed driver for years and had my own business. Due to business failure I had to close down my business and became a XXXX employee at a company. As a XXXX employee I 'm not making as much money as I used to. However I not only a XXXX employee but now a part-time self-employed as well. Starting XX/XX/XXXX I have been getting money a self employed and my XXXX job. It has been a very tough time and sometimes I work 16hrs a day but I have no choice but to keep working because I want to save my home. I am the only one working and I 'm also renting the XXXX unit on my property. Recently I have demostrated Ocwen Loan Servicing that I make the sufficeint money to maintain a payment but they have refused to help me. All I 'm asking is to please put all the payments on delinquent in back of the loan and I can resume making payments as usual. I can not pay all the payments I 'm behind but I do need help to catch up. I do n't want to lose my house, I can now start makng payments since in the last few months I have been having a higher and steady income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I ORDERED REPLACEMENT WINDOWS. AFTER THE INSTALLATION WAS COMPLETE I WENT TO THE STORE TO GET A 10 PERCENT REBATE AS ADVERTISED FOR BEING A XXXX  VETERAN AND THE STORE REFUSED TO GIVE ME THE REBATE. 

XX/XX/17 XXXX XXXX ORDER ID : XXXX RECALL AMOUNT XXXX SUBTOTAL XXXX SALES TAX XXXX TOTAL {$7100.00} E-DEPOSIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 noticed that XXXX has removed my XXXX  XXXX bankruptcy from my report. The bankruptcy was filed on XX/XX/XXXX. XXXX website states it will remain on my file for up to 10 years. This is a federal Bankruptcy so I would think the credit bureaus would be required to be consistent in reporting information. They told me it will remain in my report until XX/XX/XXXX. I have excellent credit since the bankruptcy so one would think they would take this into consideration when saying it will be on the report for up to ten years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I currently have my mortgage with Ocwen. I have requested via telephone numerous times a monthly billing statement, to date I have not received that. This has been going on for almost two years. I get the same response " We will mail it to you ''. As stated, it has been almost two years and I have not received anything. I would like to receive monthly statements, as I did in the past, I have been with this mortgage company on and off since 1997 and this has been the worse customer service in the world. I am in need of some resolution. It is apparent that they do not care about their customers. Very poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: GA
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:
ON XX/XX/2020 I SENT A LETTER TO XXXX DISPUTING A REINSERTITION FROM XXXX XXXX XXXX THAT WAS DELETED WHEN A COMPANY NAME XXXX XXXX REPORTED IT AND IT WAS DISCHARGED IN A PREVIOUS BANKRUPTCY YEARS AGO. THIS IS A VIOLATION. I ALSO WAS NEVER INFORMED THAT THIS WAS BEING REINSERTED ON MY REPORT AGAIN AND THAT IS DEFINITELY A VIOLATION ON XXXX  AND THE COLLECTION AGENCY. I NEVER RECIEVED ANY INFORMATION THAT THEY HAD THIS ACCOUNT OR I WOULD HAVE TOLD THEM THAT THIS WAS DISCHARGED AND DELETED IN A PREVIOUS BANKRUPTCY CHAPTER XXXX YEARS AGO. I NEVER GOT A NOTICE FROM THESE PEOPLE AND I DONT EVEN KNOW WHO THEY ARE. WE NEVER HAD A CONVERSATION AND I NEVER GOT A VERIFICATION OF THE DEBT WHICH IS ANOTHER VIOLATION. THERE WAS NOT A NOTICE MAILED TO MY ADDRESS SO PLEASE TELL ME HOW ARE THEY ABLE TO REINSERT A DELETED ACCOUNT ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE AND NO COMMUNICATION AND THE CREDIT BEREAU ALLOWED THIS TO HAPPEN. THE FCRA AND SPEAKS AGAINST THIS. I CALLED XXXX AND THEY ARE BEING LAZY AND REFUSE TO HELP AND THEY NEED TO BE HELD ACCOUNTABLE. THEY WANT ME TO CALL A COLLECTION AGENCY THAT IS IN COMPLETE VIOLATION AND ACTUALLY GIVE THEM CURRENT INFORMATION ON ME IN ORDER TO DISPUTE AN ACCOUNT THAT HAS ALREADY BEEN DELETED FROM MY REPORT YEARS AGO. IM FURIOUS AND I DONT TRUST THAT PROCESS. XXXX NEEDS TO DO THEIR JOB AND STAND BY THE CONSUMER LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I got behind on my morgage really bad-Ocwen loan servicing, LLC is the lender. I was fighting XXXX at the time-had to file bankrupcy chapter XXXX. Ocwen offered to modification -which sounded good and all. I accepted because I thought it was the best way to keep my house. I went through 2 sets of modifications payments before they approved me. The thing is I was approved of payments of {$430.00} a month in which we can afford but I have 7 years to pay off my house and they tack all the fees on plus more in which at the end of the 7 years I will still will have a ton of money to come up with or loose it all over again. They say I owe XXXX on the home-how is this possible-thats more than what I paid for 25 years ago when I purchased it.Not sure what to do or who to talk to about this situeation and are they in the right as far this modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited {$800.00} cash into a Chase bank ATM, where I have an account, on XXXX/XXXX/15 at XXXX. I received a receipt that said the ATM has experienced a technical problem and to go into the branch. I did that and was told they did not know where the money was and that they needed to file a claim and they would be in touch. I did n't want to leave the bank not knowing where my money was so I said that was n't good enough. I said I wanted to close my accounts and withdraw my money. In the meantime, the branch manager XXXX XXXX was glaring at me over the glass, so I asked her what she was looking at. She then walked over and told the employee I was working with that she did n't need to deal with me and to call security. We both looked at her like she was nuts, and I asked her why would she call security when i just wanted to withdraw my money. She then instructed her employees to walk away from me and leave me in the cube and not tend to my request. She then told me she was calling the police. I do n't know if she did, but they never came and neither did security. I then called the XXXX number on the card and was told the {$800.00} credit was pending and they were going to investigate the deposit and find out where it was and the phone rep said I could leave the bank, which I did, and that she was escalating it to their executive team based on the behavior of the branch manager. 

Thursday, XXXX XXXX, rolls around and I attempt to use my visa check card at a vendor and it is declined. I attempt to do it again on Friday, XXXX XXXX, and declined again. I call the bank and am told that the account is on hold due to 'fraudulent ' activity. I received NO notification from the bank and have no idea what this is about. I walk into the same branch and ask them, they send me to a banker who tells me that the bank has elected to close my account but the money is frozen due to the claim I made on Monday and the funds will be sent to me via check ON OR AFTER XXXX XXXX!!!! 

I called the executive office where I filed the initial complaint and reiterated my dismay at being retaliated against by the bank. I had REQUESTED TO CLOSE THE ACCOUNT on Monday and was DENIED the ability to do that. Now they close it and FREEZE access to all of my money??? I have {$2.00} in my wallet and no access to my money. 

I want to file a complaint against this bank for harassment, unfair treatment, and STEALING MY MONEY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase bank closed my account because loss prevention did not like that I was depositing my fiance '' a paychecks. At the time he did not have his own account and was having me deposit them for him. They closed/purged my account and reported it to XXXX XXXX XXXX as closed for cause. This also caused the same thing to happen to my XXXX checking and savings account. As a result I am not able to bank anywhere. Had I known that depositing my fiance 's checks would cause such an issue I would not have helped him out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Mail company stating do not call work number. Also, call them to stated to not call work number. They still calling my work number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Uprova Credit, LLC
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I was contacted on XX/XX/2021 that I had a payment due in the amount of {$270.00} on XX/XX/2021. I've never applied with the company nor authorized them to open a payday/installment account in my name. Furthermore, I never received funds from said company for said account. 

I reached out to them on XX/XX/XXXX to submit a fraud complaint and have not heard from anyone within the company. I've called daily for an update and no one can give me any information as it pertains to this account. 

After researching this company it is known that Uprova has done this to multiple other people and even sent their accounts to collection. 

This is very illegal business practice and should not be tolerated.

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