BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-19
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen loan servicing is the servicer of my loan. 
1. They refuse to talk to about anything. 
2. They refuse to send me any papers. 
3. They will not send me my statements4. They will not send payment statement. 
5. They will not return any letters or phone calls. 
6. They refuse to let me know what owed on loan. 
7. They refuse to let me know if they received my payments. 
8. They refuse to let me know what my payments are. 
9. They but forced insurance on this property when I have insurance on the property. They refused to take it off after 3 months of sending them proof and calling them over XXXX times. 
10. They double charged me for insurance. 
11. The only thing that they will say when I call, is that they were told not to talk or send anything to me due to I filed litigation against them. 
XXXX. I have over XXXX documented calls to Ocwen and copy 's of letters sent to prove this. 
I believe they are doing this because I filing a lawsuit and complaints against them in an unrelated mortgage that they are servicing for XXXX XXXX XXXX. ( Case, XXXX in XXXX County ). This has noting to do with this loan which is owned by you, XXXX. There is no reason for there conduct in the servicing of this loan. I have no complaints or lawsuits against you. I have not missed any mortgage payments. Its not in foreclosure. I want to make payments on time and have been making payments for the last 4 months not knowing what my payments are, and if they were even credited ect. 
I believe they are going to to try to foreclose on this loan even though I have proof of all of this, just like they illegally did on the loan with XXXX. This is the loan I filed the lawsuit on. This letter will be sent along with complaints to other agency 's including the press. 
The nation is in a foreclosure crisis and the courts are full of foreclosure cases. There is no excuse for this conduct by Ocwens loan servicing. They may cause this loan to go in foreclosure for no reason what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
An automatic call placed many times from XXXX states that there is fraudulent activity associated with my name and social security number. To avoid XXXX charges being filed against me they then give me a case number of XXXX and a contact number XXXX. When calling the XXXX number the operator tells me that I will be sued if I do n't come to an agreement even though it is a Time-Barred debt. They continue to call even after I tell them the debt is not valid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made 2 times payment of {$650.00} to Regions Bank by phone. Unfortunately they said they received the payment after hours and they reported 2 late payments on my credit profile.

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 2021-11-22
Company: EQUIFAX, INC.
State: VA
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 have XXXX student loans and each reporting agency is showing that I have several more than 7 XXXX XXXX is reporting XXXX, Equifax is reporting XXXX, and XXXX is report XXXX. Several have account numbers that do not corespond with the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a fraudulent credit card in my name With bank of America without my permission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2016-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I need to file this complain due a negative court case still showing in my TransUnion Credit Report Case XXXX this case was file in court and collected from a collection agency XXXX, from a fradulent account, after the investigation was finalized, and was reported the unauthorized opening of the account XXXX acct # XXXX and found XXXX and XXXX has removed it, but TransUnion still showing in XXXX section this account as mine, I need to have those account removed immediatly / XXXX reports XXXX as collection/charge off {$3700.00} from XXXX XXXX, and same acct as reference XXXX circuit court {$1700.00}, it is same acct XXXX # XXXX case. the letters with the proof of investigation was given to both parties, but transunion is in violation of my credit report rights. XXXX XXXX # XXXX s.s.

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 2018-05-30
Company: EQUIFAX, INC.
State: FL
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 have been trying to get several things resolved on my credit report so I did request all three bureaus to look into several accounts. There was an account with XXXX XXXX -XXXX that I questioned because they did not even show the complete payment history. I requested all information and they did not provide they only only reported a charge off date. Indicating it was not researched.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Bank of America contacted me about re-fi my current loan. I called the number on the letter and went thru a series of questions which I answered in the affirmative. Then the Bank of America loan officer said that I can not submit my application unless I agree to modify my existing mortgage which currently does not require escrow of taxes and insurance. So, I said if I agree to the loan mod will you then allow me to re-fi my loan to a lower interest rate and he said " no ''. My current interest rate is 7 % and I wanted to re-fi my loan to a market interest rate. I was n't asking for lowering of the amount of the loan. Simply a reduction in the interest rate. My wife has XXXX and we were looking for some relief in the form of a lower interest rate. At the conclusion of this conversation, I told this loan officer that I believe what Bank of America is doing is wrong. You can not make a borrower agree to a loan modification to make me escrow my taxes just to submit my application for an interest rate reduction. I have written numerous letters to Bank of America to complain about their dishonest and unethical practices. I get nothing but " canned '' letter responses back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, I reviewed my Experian credit report and found that XXXX is reporting that I owe {$900.00} under account # XXXX. This debt does not belong to me and furthermore, Experian continues to allow XXXX to report this fraudulent erroneous debt to my credit report despite XXXX being " permanently barred from acting as an XXXX, XXXX, employee, agent or advisor to any individual or business that collects, buys, or sells consumer debt as per the Consumer Financial Protection Act of 2010 ( CFPA ) where they violated the Fair Debt Collection Practices Act ( FDCPA ) '' 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 explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account was opened or cosigned under my name for XXXX XXXX. I did not sign any loan documents or provide any information or authorize this. I was unaware of the existence of this account until i check my credit. The thief opened this account using my information illegally and did not pay this bill and now it is at collection at XXXX XXXX XXXX and it appears on my account as a derogatory mark and is affecting me tremendously. I have fraud accounts with XXXX XXXX and subsequently XXXX XXXX XXXX collections. My name is also incorrectly stated as XXXX XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: CAVALRY INVESTMENTS, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Calvary Portfolio is a secondary collection agency that apparently purchased this debt from the primary lender. Calvary Portfolio never notified me of this debt, nor did they give me the opportunity to ask for proof of this debt. This is not my account and I do not owe the money asserted by this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX XXXX has charged me interest on an interest-deferred student loan repeatedly. I have contacted them repeatedly, and even filed a prior CFPB complaint. Each time, they address the issue, slowly, and refund the interest and assure me it will never happen again. It has happened again. For the third time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is the second time I have filed a dispute on my capital one credit card. Both disputes have been mismanaged by the bank. Each time I file a dispute, Capital one never sends out the mailing showing me the provider response nor telling me the deadline to submit information to prove my portion of the claim. This time I filed a dispute on XX/XX/XXXX against the XXXX XXXX for {$6700.00} of a {$7000.00} purchase. The amount was credited back to my account but debited once the merchant sent capital one a response. I never received that response by mail to this day although Capital one claims it was sent to me. That mailing was to also tell me the required documentation for my response. Since I didnt receive the mail, I called capital oneover the phone to get that information. I gathered all documentation and evidence as required by capital one including a second opinion from a doctor. I submitted all documentation before the deadline of XX/XX/XXXX. I called capital one on XX/XX/XXXX and confirmed that all necessary documentation was received by Capital one. I confirmed several times after for the next month with different representatives that nothing else was required. Capital One maliciously closed my dispute stating that they did not receive my documentation on XX/XX/XXXX. They are participating in bad business practices and protecting unethical and scam artist merchants.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11
Company: Early Warning Services, LLC
State: CO
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:
My credit file is being handled by the special fraud team with XXXX   and I can not get a hold of any one in reference unauthorized accounts and inquires among other errors. Also there is a fraud alert on my XXXX report with the wrong number! Cant reach anyone who could help me there and XXXX has no record of my police report I sent them last year to address my disputes and these different addresses keeps appearing on my report and I tell them to take it off and next thing I know I call back and I cant be authenticated because something else has popped up. Then check systems wont remove fraudent information off my record where its hard for me to open up bank accounts. I was notified by XXXX  credit monitoring that my email addressed and personal information was hacked and my telephone number was somehow possibly being used. Ive spent many of hours dealing with this. My personal information was also involved with the XXXX 2017 data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: NY
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:
DELIVERED ON XX/XX/22 via registered mail XXXX XXXX XXXX XXXX XXXX this correspondence reminded Experian of their duty to correct report consumer credit. how they were in violation of FCRA 616 & 617 and how the companies that are listed are not providing contracts but are allowed to continue their predatory debt collection actions by reporting information on my credit report.

15 USC 1692 ( d ) ( 1 ) puts emphasis on consumer credit and debt collectors, should they ever step in their attempts to collect a debt.

to further remind this consumer reporting agency that for each unverified account lies a {$1000.00} violation. 
companies have until this day, have yet to provide a lawful contract. 
according to the FCRA any letter that is sent and unanswered is a result a 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 2016-06-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have been attempting to adjust my payment plan with Navient due to economic issues and being unable to make the current payment amounts consistently without severe hardship. I have repeatedly spoken with Navient representatives about lowering the interest rate, extending the duration of the loan, having a deferment or forbearance, etc. though each time the Navient representative quotes a repayment plan with a higher monthly amount. 
I received a letter from Navient stating that if a payment is not made by XXXX XXXX, 2016 then I will default on the loan., and they will pursue civil litigation options. Navient has contacted me every 1 to 2 hours by automated phone calls since the XX/XX/XXXX ; have been calling my family stating that " I listed them as a reference '' when I did not, ; and they have attempted to obtain my employment information from my employer by faxing a request to verify my income/employment status. However, there is no legal judgment on the loan as of this date ( XXXX/XXXX/16 ), and I did NOT give them permission to contact ANY of my family members ( except for my spouse ) or contact my work to verify employment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account was opened or cosigned under my name for XXXX XXXX. I did not sign any loan documents or provide any information or authorize this. I was unaware of the existence of this account until i check my credit. The thief opened this account using my information illegally and did not pay this bill and now it is at collection at XXXX XXXX XXXX and it appears on my account as a derogatory mark and is affecting me tremendously. I have fraud accounts with XXXX XXXX and subsequently XXXX XXXX XXXX collections. My name is also incorrectly stated as XXXX XXXX on my credit report.

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 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account was opened or cosigned under my name for XXXX XXXX. I did not sign any loan documents or provide any information or authorize this. I was unaware of the existence of this account until i check my credit. The thief opened this account using my information illegally and did not pay this bill and now it is at collection at XXXX XXXX XXXX and it appears on my account as a derogatory mark and is affecting me tremendously. I have fraud accounts with XXXX XXXX and subsequently XXXX XXXX XXXX collections. My name is also incorrectly stated as XXXX XXXX on my credit report.

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 2019-03-06
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: Old information reappears or never goes away

Complaint:
My identity was stolen and continues to be used from time to time. My credit score was XXXX in XX/XX/XXXX and had been at the highest levels for my entire life ( I was XXXX ). In XX/XX/XXXX I was the victim of a major fraud, identity theft and since XX/XX/XXXXhave had a credit score that prevents me from obtaining a credit card, a home loan etc. The identity thief continues to open an account occasionally with my ss number and I can not persuade any of the 3 reporting agencies to remove false information, remove outdated negative information or remove information that the creditor advises that it has not and is not reporting to the agency. Some creditors respond that I must prove a negative, that it isnt me? How do I do that? 

What to do as a victim of identity theft does not include : what to do to force the credit reporting agencies to remove fraudulent information completely? 

I have done everything from a legal standpoint that can be done. Filed identity theft affidavits, disputed information, requested removal, required investigation of the account ad nauseum. I am an attorney. The thief will not stop and it had been 10 years. 

Only the federal government directing the agencies to repair my file is going to be effective. Private civil suits are notoriously unsuccessful. And there is no compensation adequate for loss of credit access. Its ruins lives. The US attorney, FBI, local DA will not prosecute the thief because it is not important enough for thier resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
About a week ago I initiated dispute with Transunion because I wanted the account to reflect the current total balance of my XXXX card ( with {$15.00} limit ). The card was getting very close to being maxed out but recently my husband took a loan and we paid it down to {$3000.00}, but Transunion was still showing a total balance of {$9000.00}. Yesterday I got a notification saying that the credit dispute was completed and the account was removed from my credit report. Well, the card is still open and active, and it shouldnt have been removed from my Transunion, they should have just updated the total balance to reflect the current amount ( around {$3000.00} ). The account was removed from my TransUnion report and it hurt my credit score. I called both TransUnion and XXXX several times and I can not get them to put the card back on TransUnion and they keep blaming each other. I want to get this fixed since paying down the card from XXXX to XXXX would surely reflect as a positive and add points to the TransUnion score.

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