BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My credit score went down 88 points because of a missed or delinquent payment to a credit card that I didn't know I had. When I reviewed my credit report, it showed an account opened for a credit card through SYNCB/PPC. When I called the number listed, it said it was PayPal Credit. Although, I do have a Paypal account, I NEVER opened a credit card, nor gave permission for a credit card account to be opened with PayPal, or Synchrony Bank. 

My credit report shows this fraudulent account was opened on XX/XX/XXXX. It also shows 3 payments made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which I never made because I didn't know the account existed. Now the account is showing as closed and this information was last reported to the credit bureaus on XX/XX/XXXX and my credit report shows that I have missed 3 payments and have a delinquent account, thus hurting my credit score. 

When I called the number provided on the credit report for the credit card company SYNCB/PPC  the operator named XXXX quickly asked twice what my name was, but didn't give me a chance to speak, then said " Since I have received no response, I am ending this call '' and hung up on me. I tried immediately to call back and the call would not go through. I also called PayPal to dispute this account and the agent told me that I do not have a credit card account with PayPal and the resolution center on the PayPal website will not let me make a dispute because it is showing that I do not have the credit card account. 

I have filed a dispute with all 3 credit bureaus. What else can be done with this situation?

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 2020-03-01
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Every year, when I attempt to obtain my free, annual, on line credit report from Equifax, I can't. I have never had any trouble procuring my report from the other two agencies, only Equifax. It is an annual event. After I provide all of my personal information, answer all of their security questions correctly, I'm then told that they will not provide my free annual credit report unless I mail in copies of my Social Security card, pay stubs with S.S. number on them, W-2 forms, Driver 's License, etc. The US Postal Service is not 100 % secure or dependable. More to the point, who knows if my personal information will be securely handled after Equifax receives it. Is it any wonder that Equifax sustained the largest, most damaging personal information data breach in history? It appears as though Equifax is attempting to dissuade citizens from requesting their free annual credit report by making the process as cumbersome and time consuming as possible, while opening up yet another avenue for an additional personal information data breach. Will you please demand that Equifax lives up to their obligations under the Free Credit Reporting Act, have them provide me with my credit report as required by the law, and admonish them to do so in the future on line every year without me being required to contact you, as does the other credit reporting bureaus? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am growing incredibly frustrated by Equifax and their violation of the law. I continually dispute an inaccurate and illegal Lien showing up on my credit report under the public records section and they keep updating it as accurate and sometimes they even change the information around to make it more inaccurate and confusing. 

No where in the other bureaus does public record item # XXXX appear because they are following the law. Equifax is violating it. This lien is not on file! I am not tied to this lien this lien was for a BUSINESS. I have asked Equifax to reinvestigate this and show me how they verified it, but they have no answer for me and keep redirecting me to the XXXX XXXX XXXX. 

There is no proof that this belongs to me, personally. It can not be on my records, this is wrong. This was for a business, I am not the owner of that business. 

Public records are not legally allowed to show such liens anymore. The consumer Financial Protection Bureau executed a law against this very kind of this effectiveXXXX XXXX, XXXX. 

No social security number can be verified, no complete address or name. so how is this being tied to be? I have been matched to it illegally because in the past I was associated with a business, but this has nothing to do with me. 

PLEASE SEE ATTACHMENTS FOR EXPLANATION : Since XXXX i have disputed this item over and over again and on XXXX XXXX, XXXX I sent another dipsute asking for a full investigation and deletion via Certified Mail Return Receipt Requests, and on XXXX XXXX, XXXX a XXXX XXXX accepted my letter and on XXXX XXXX, XXXX they responded with a claim that it was verified and that this time the amount is not {$120000.00} it is {$12000.00}! 

WHAT IS GOING ON? Who is investigating this, changing the information around and verifing this in merely 3-4 days? How is this possible? The new laws STATE that all information must be verified with the clerk and be no more than 90 days old. Who verified this? who changed it? who went to the county? If there is a bogus system at work here it is matching the WRONG people to the WRONG information and harming their credit reports. Why is it that Equifax is the only one form all 4 bureaus having this issue? It took one simple dispute with the other agencies for them to see that it is not MY lien! This is a business account. 

I have attached the conflicting reports to this dispute. Please note that the screen shot showing the public record item was taken TODAY and even though Equifax now claims this lien is not {$120000.00} it is {$12000.00} it is STILL reported as {$120000.00}. I just want to show that they are truly unorganized, unprofessional. This is costing me hundreds of thousands of dollars because I am being denied credit and refinances because of this inaccurate an illegal lien. 

WHO WILL HELP?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$68.00} XXXX XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX   XXXX  XXXX {$450.00} XXXX XXXX {$870.00} XXXX   XXXX  XXXX {$1000.00} XXXX  XXXX {$1100.00}

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 2019-11-05
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had an insurance claim incident at my home and went through the process of making the claim and having the money sent to my mortgage company ( XXXX XXXX ) having them inspect the property after repairs were made, finally getting the funds back to pay the contractors and put the whole incident behind me. A small check of about 1 % of the total claim was paid separately and again submitted to XXXX XXXX in mis XXXX. XXXX XXXX has since sold the mortgage to LoanCare who is holding this check. I have provided all contact info of past mortgage company, insurance adjustor and contractors to LoanCare and they are still not releasing the funds or sending another inspector out to the house claiming they need more information and release of liens from contractors which my contractors said that they have provided. Do some work yourself LoanCare and stop holding peoples $ $ you are scammers.

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 2017-02-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have disputed bankruptcies on my credit report multiple times, after submitting a federal judges court order redacting my information. An representative of Experian by the name of XXXX XXXX personally closed out disputes making it difficult for me to reinvestigate. He has placed an alert on my file for no one else to assist me and when I am transferred to him he has not returned my phone call or answers the phone when you reach out to a different department the consumer assistance division told the switch board not to allow me t speak to any higher ups higher than his department.

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 2022-05-05
Company: AFFORDABLE MORTGAGE ADVISORS LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got pre approved for a {$130000.00} loan through Holland Mortgage. XXXX XXXX told me about a first time home buyers down payment assistance program through XXXX XXXX and XXXX XXXX. I find a property, put in an offer, and it's excepted. I pay the {$99.00} fee for participating which XXXX neglected to mention in the original conversation about the program. I take the required 8 hour course, counseling and 2 1/2 hour zoom meeting and jump through ever other hoop they asked. Before the inspection was even scheduled or had taken place Holland Mortgage taken {$610.00} from my account for the appraisal ( done by someone associated with there company ) causing me to get a {$30.00} bank fee because I always plan ahead for large withdrawals from my account. We get 15 days to closing and I'm told that the property doesn't qualify because of the way its listed with the county as a dual residency as apposed to a XXXX XXXX bath that the agent has it listed on zillow or trulia. No one made mention of this throughout the process and the information was available to them from the beginning and had he not been derelict in his duties and unknowledgeable about the program he introduced me to I would have never spent the money on the inspection, appraisal or the {$1000.00} for Hand money as I would have known the property wouldn't qualify. I would have negotiated differtly with the seller as far as the {$3000.00} in seller assist that should have gone toward some of the repairs that were cited in the inspection and not closing cost. My hands were tied as I had signed the agreement. They then tried to pressure me into using {$9000.00} of my retirement money while only giving {$1000.00} in lender credit while raising the interest rate. I think they should have to refund me the fees due to there negligence or flat-out lies setting me up for failure as they lined the pockets of those companies and programs they are associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Ocwen Financial Corporation
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
docx / indecomm global services fraud mortgage assignment robo signer around the county filing of shady assignments. 
. Representation was made of a material fact. 
2. Representation was untrue. 
3. Party making the representation knew it was untrue. 
4. Representation was made with the intent to deceive and for the purpose of inducing the recipient to act upon it.5. Recipient justifiably relied on the representation. 
6. By relying on the untrue statement, the recipient suffered damages.XXXX 1. A false representation was made, usually one of fact. 
2. Party making the representation had knowledge or belief that the representation was false, or made the representation with the requisite indifference to the truth. 
3. Representation was made with the intent to induce the recipient to act, or refrain from acting. 
4. Recipient acted or did not act in justifiable reliance on the representation.5. Recipient suffered damages XXXXas a result. 


XXXX Misconduct in Other States XXXX. XXXX and XXXX While XXXX and XXXX provided much of the news for reports on attorney misconduct, other states ' attorneys managed to earn negative attention as well.Foreclosure law firms in XXXX and XXXX admitted to committing serious misconduct. Attorneys at XXXX, XXXX, XXXX XXXX XXXX XXXX and at XXXX, XXXX, XXXX XXXX XXXX admitted that other attorneys had signed their signatures in documents submitted to court.XXXX Several notaries had their licenses revoked and the XXXX Court of Appeals adopted a rule allowing courts to appoint independent attorneys to review foreclosure documents for irregularities.XXXX Meanwhile, at the XXXX firm XXXX XXXX & XXXX , attorneys admitted to the same practices, supposedly to avoid the " sloppy '' practice of crossing out another attorney 's name below a signature line.XXXX Show cause hearings were held in several XXXX counties regarding the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had online mortgage payments set up with Ocwen, and had been paying for several months without an issue. Suddenly, Ocwen told me that my XXXX payment had been late and that they would charge me a {$19.00} late fee and report this to the credit bureaus as a late payment. I was incredibly dismayed, as I was certain that my XXXX payment had been made on time. I then examined my account on Ocwen 's site, and I found that someone in Ocwen had changed the XXXX digit of my checking account number so that the ACH would not go through. As the site had shown my account number in an " XXXX '' format, I had assumed the information had not changed from the previous month - but in fact, someone at Ocwen willfully modified this to cause my late payment. 

I then brought this to the Ocwen Ombudsman 's attention, and the issue has since been resolved, where my {$19.00} was refunded and XXXX payment is shown as current with the credit bureaus. However, I wish for the CFPB to know about this deceptive, fraudulent and abusive practice at Ocwen - as I know I am not the only victim here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
A Federal Government card should not show on my Credit Report ( s ). I handled this with Citi when it first happened and now this is reporting on all three bureaus and late on XXXX. The bureau even wrote a letter which I am attaching. 

Account 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 2015-11-11
Company: Cooper Hoffman Klein Associates
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Almost daily automated calls leaving messages they call " courtesy '' call about a debt that I do not owe as it is not and never was mine. I have no overdue bills, no cosigner obligations, nothing of the sort. The automated calls state " This message is being left for '' [ what sounds like ] XXXX The message states that this is a final call before action is taken, mentions attorneys and a case number. The number on caller ID is XXXX and shows XXXX XXXX, TX as the originator. I called the number and asked who they are and why they are calling me and the person hung up on me when I pressed them. This has been going on for months, though not quite as frequently as it has of late.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Mortgage service company Ocwen is still reporting to credit bureau three years later after I filed for bankruptcy on the property, I filed for bankruptcy 6 years ago and the mortgage was included and foreclosed. I am currently discharged and relieved of any liability for the debt. They are reporting 14 times 90 day late on my credit report for the mortgage and making it real hard for me to recover after bankruptcy and foreclosure more than 6 years ago. I 've contacted Ocwen on numorous occasions but to no avail. I think the mark on my credit should be reported correctly if not than fully removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I originally applied for a Deed in Lieu in XX/XX/XXXX.  I was denied in XX/XX/XXXX because I had a XXXX mortgage.  The XXXX mortgage was disclosed on the deed in lieu application and is even serviced by the same company as the primary mortgage.  This all seemed like a delaying tactic.  In XX/XX/XXXX, I received a notice that the XXXX mortgage had been written of in XX/XX/XXXX.  I reapplied for the Deed in Lieu in XX/XX/XXXX.  I am still seeing delaying tactics from the mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We are bullying by Wells Fargo, always paid our mortgage on timeOn XXXX XXXX we wrote the check in the amount of {$40000.00} but missed XXXX and filled out in writing, not only the bank cashed our check, they do n't credit us with the payment and charged us {$190.00} late fees. 
XX/XX/XXXX payment was paid in full and we already mailed XX/XX/XXXXpayment. We are contacted by wells Fargo saying that we are in defaultfor not paying XX/XX/XXXX and they will foreclose on us. 
Back in XX/XX/XXXX, we received a statement from WF showing that they did notCredit us the XX/XX/XXXX payment, we called WF and was advised that becauseof the shortage of XXXX, it shows {$4000.00} as pending but theycannot credit the payment. 
Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am writing today because I have been a victim of identity theft. I have made many disputes and faxed in a police report to Equifax with the following item to be removed from my credit report on XXXX/XXXX/2015. They are refusing to remove these items from my credit file because they are stating that they have investigated the accounts and that in fact they are my account which they are not. I have made a complaint with the Federal Trade Commission and received a letter from them to send to the creditors. I have mailed and faxed all the creditors the letters and they have not updated my account. I am working on getting a loan and these fraudulent accounts are stopping me from getting the loan. The items that I am requesting to be removed are as follows. I am requesting the following items be removed from my credit file. 
XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX Account # XXXX. XXXX XXXX Bank Account # XXXX. XXXX XXXX Bank Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called up Equifax and told them I can not get my credit report from annual credit report and would like to file a dispute.They told me to fax my driver license and SSN card which I did and inspite of calling them up after 48 hours they inform me that did not recieve the fax where as the fax report clearly says delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dispute letter was mailed on XXXX and XXXX. In the letter as written discussing about validating this debt in the amount of {$680.00} no action was taking by AMERICOLLECT XXXX XXXX XXXXXXXX XXXXXXXX XXXX Its reporting to all XXXX credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: ALLIANT CREDIT UNION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Thursday, XX/XX/XXXX I made a purchase to a private party through XXXX. The person failed to send the item and ignored my attempts for information. I contacted XXXX about this and they failed to attempt any recovery even after I filed a police report. I then contacted my bank and filed a dispute including the police report number. This transaction was in the amount of {$110.00}. My bank, Alliant Credit Union has informed me that they will do nothing and to resolve it on my own. I have had two other theft/fraud purchases that Alliant  has given me the exact same response to. The second transaction was in the amount of {$120.00} paid through XXXX XXXX   and again with a police report number they were unwilling to help. Finally another purchase through XXXX in the amount of {$75.00}. That XXXX not the bank would assist with even with a corresponding police report for theft/fraud. I included all communications with the private parties to the police to be included in the report. XXXX, XXXX XXXX, not Alliant will do their due diligence to research this theft and have done nothing as far as I can tell. I have received notices of XXXX decisions against my claim. I can provide communications between myself and the other private party.

Company response to consumer: Closed with explanation