BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I previously contacted Experian regarding this issue in Complaint XXXX. I am filing this complaint because third party companies accessed my Experian credit report without my knowledge, authorization or approval. I contacted the companies that posted inquiries on my credit report and was told to contact Experian. Experian has so far refused to open a dispute regarding these inquiries. These inquiries have an adverse effect on my credit report and are disputable under the FCRA. Since I did not authorize these inquiries I am requesting an investigation into them. The inquiries found on my credit report that I did not authorize are : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. Experian should be bound by law to investigate my dispute. These disputes are a result of fraud.

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 2020-12-29
Company: Experian Information Solutions Inc.
State: TN
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 a victim of ID Theft. 

Please see the ID Theft Affidavit attached for the fraudulent account, and inquiries listed on my credit report. I've attached a scan of my ID front & back for purposes of verifying me. I've also attached a NOTICE TO FURNISHERS stating you guys must do your jobs and remove all of this information. 

FYI ; on some of the inquiries some of them appear more than once and I did my best to try and list them all correctly.

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 2020-12-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
THE CREDIT BUREUS ARE NOT REPORTING MY MONTHLY PAYMENTS ON MY HOME. I MADE A PMYMENT ON XX/XX/XXXX FOR XXXX, XX/XX/XXXX FOR XXXX AND XX/XX/XXXX XXXX. MY LOAN IS FROM XXXX XXXX XXXX MORTGAGE.

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 2016-10-19
Company: HANCOCK WHITNEY BANK
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went through drive thru at my bank Whitney Bank on XXXX XXXX and XXXX XXXX XXXX XXXX, LA to make a deposit. Then decided to cash a check in the drive thru lane rather than go around to ATM machine. The teller informed me that my account did not exist. I have many accounts I sign on. I can not state how upset i became since my pension and social security checks go to this account. I had to leave to pick up my grandson then go back to the bank park and go in to see what the problem was. The teller inside the bank had no problem finding my account. I reported the incident to an assistant manager and wanted an apology from the drive thru teller which i did NOT get.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Specialized Loan Servicing Holdings LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My lender is asking for 2019 Tax Returns which I already explained to them that I do not have them because I am only receiving SSI. They keep on asking for a document that does not exist and holding up the approval for foreclosure assistance because of it.

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 2016-08-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I came home from hospital and called a friend to take me to XXXX XXXX she came at XXXX on XX/XX/2016. We returned a few hours later and when driving up I noticed my front door opened and there was a latter against the front of the house. She went to the back of the house while I looked around the front. My window inside was broken and someone had started cleaning up some of the glass.We both called out several times when to men finally came out from back. They said my mortgage company sent them to lock box my house. What, I said, I am not in foreclose.I asked for papers he had none, only a email. I called mortgage company, Rushmore Mortgage { XXXX } tried to reach XXXX XXXX but could n't { XXXX } she is my contact person that I keep constant contact with. The man told me that they did send him to lock box the house and that they thought I had moved out, also that it does not show I am in foreclose. I asked friend to call police and asked them to arrest him. Police spoke with mortgage company and they also told him I was not in foreclose but they had a right to be there. { police report cad # XXXX } After police and friend left, I open door and seen that he had been inside the house. Things were moved, television, tools, money, closets, draws were opened also in bedroom and basement door was opened. Things were moved by front door.I have trouble sleeping, I was so scared. I cried all the time officer was there.I am very sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was contacted by this creditor regarding a debt from 2003. I notified in writing this debt is too old to be sued for and I asked not to be contact regarding this debt. 
I was than contacted again by mail, which advise me to call. I explained to the creditor XXXX that they are past the statue of limitations to collect on this debt, and she advised me that they can sue, then she said they cant, then she stated that they would keep me in collections. I than contacted your office, and I an now submitting a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Earnest 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: Information belongs to someone else

Complaint:
Noticed on my credit report a student loan for XXXX XXXX This is not mine. This was opened fraudulently using my personal info. 

I was notified by earlier this year that all of my personal info was stolen and is actively being used. This was the result of a data breach by the insurance XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
First National Collection shows a collection on my account for XXXX XXXX. I already resolved this with XXXX and I have never heard from First National Collection until my mortgage company informed me of the account. Per Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX they have not validated this account. I have not moved and have the same cell phone number for years. They have made no effort to contact me to validate this prior to reporting it. Again ... I already turned in the box to XXXX. They made a mistake.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had interviewed for a role with an XXXX services firm, who was providing support for a XXXX  client. I would have been working on supporting a XXXX  environment and related applications. I was subject to several background checks, as well as a credit check. I noted on the authorization for the credit check that I am currently in dispute with my mortgage lender. 

I was told to provide a statement explaining my mortgage delinquency, as the company had a policy that any delinquency over {$5000.00} required manual review by one of the financial company executives. Despite having documentation to support my statement, I was verbally told several days later that I was ineligible for the job solely because of the delinquency, and I have not received anything in the way of an adverse action notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2017 I sent a request for mortgage assistance to the servicing company to my mortgage loan. The reason my loan became delinquent was because the monthly payment the lender offer were much higher than promised. I have applied for loan modifications several times but always get denied due to inconsistent reasons. I was recently advised by my loan 's servicing company that they are no longer taking any more documents to process a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage with XXXX XXXX called for a monthly payment of XXXX. The mortgage moved from XXXX to Litton Loan. Medical issues prompted me to XXXX. Those additional medical costs, plus the failure of my wife 's business, caused me to fall behind in payments. Repeated requests for a loan modification were futile. Litton representatives offered new monthly payments that were higher than the {$2100.00} that I was failing to meet, and I fell into foreclosure. The mortgage at some point shifted from Litton to Ocwen, my financial situation remained unchanged, and I tried, without success, to obtain a loan modification. No i 'm trying to enter into mediation to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: ERC
State: OR
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:
On XX/XX/2020, ENHANCED RECOVERY COMPAN add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPAN has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Around XX/XX/XXXX, I found a fraudulent charge on my bill, and they fixed the charge. Their plan was to cancel my old card and send me a new one. As part of the process of starting a new credit card, they texted me an access code. The problem is that I don't have a cell phone, and therefore can not receive text messages, which meant that I could not get a new card. I called their fraud department, and they asked me to send them a copy of my drivers license, which I consider to be inappropriate. What I want them to do is to add a variable to their database on whether or not the customer 's phone number is a cell phone number or not. If the customer 's phone number is not a cell phone, have them send a computer generated voice message with their access code to the customer 's phone, so that people without cell phones can get the company 's access codes without having to send copies of their drivers license. The federal government already does this, so I assume the company could do so also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I do n't understand how CFPB can allow a service lending organization ( Ocwen ) can modified a loan for five years at a low interest rate and then revert back to the original high interest of 10.37 %. I was denied another modification because I now receive social security. It does n't appear that Ocwen did anything wrong but it is so unfair that this country allows this type of predatory lending. I am not behind in my payments and am able to pay on time. That is all the more reason I should be able to keep my low interest rate. I have rehab loans on my property which means the government has to subordinate. Also, my loan has been sold so many times I do n't even know who owns it now. Shame on USA for taking advantage of poor people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSWORLD SYSTEMS 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: Information belongs to someone else

Complaint:
I am writing to TRANSWORLD SYSTEMS I agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting TRANSWORLD SYSTEMS I agency to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We applied for a loan modification in XXXX 2015 and we were denied in XXXX 2015 for insufficient income. A reduction in the principle was not considered which would have qualified us with the income that was submitted. Home was foreclosed in XXXX 2015 and an income increase was submitted also in XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Although I have submitted to the collection agency documents that prove I have paid this debt, they continue to send documentation concerning debt that I do not owe. I also was informed by my current landlord that I should not have included them as beneficiaries on my apartment insurance. The fees they are trying to collect are fees to their insurance company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Millco Management
State: NC
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 sent out multiple debt validation letters to Amerifinancial, XXXX, or XXXX XXXX. I have sent out multiple letters to XXXX XXXX with no response. XXXX responded saying that they could not find my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am one month behind on my mortgage with OCWEN Mortgage who took it over from GMAC, they additionally have us owing several thousand in " late fees ''. I have informed them both verbally and through mail that the house is being leased and they have our address where we live in XXXX, XXXX. The house that they have the mortgage on is in XXXX, XXXX. They are continuing to send CERTIFIED LETTERS to our tenants there, and today XXXX/XXXX/2015 the tenants called me this morning saying that they came knocking on the door and asking for me and telling my tenants that I AM IN DEFAULT. Which is technically true, but this is not public information and is alarming that they are openly talking about my personal financial matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have previous had an auto loan XXXX and a refinance with XXXX XXXX a few years later. I currently have several credit cards and finance accounts with XXXX XXXX all opened within the past few years. In XXXX XXXX, XXXX XXXX sent me an offer for select customers to apply for a credit card. I submitted the application, only to be denied due to " accounts with XXXX were not paid as agreed ''. All of my accounts with XXXX have been paid as agreed. I contacted them by phone and was told that my account with my mortgage company is reporting as such. I do not have a mortgage account with XXXX. They stated that Ocwen/Litton is ( a sister company ) and has provided information that my account is not paid as agreed. I pulled a copy of my credit report and found that Owen/Litton did not report my account as if it were not paid as agreed. I previous sent a complaint about the misleading ways that my mortgage was being reported by ocwen/litton. Now they are possibly providing misleading " inside '' reports concerning my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX/XXXX/16 Received a call from XXXX XXXX stating that he was a representative of OCWEN Loan Servicing, and that we qualified for a fixed 2 % loan modification thru the HAMP program. He emailed me an Acceptance & Acknowledgement of Acceptance of XXXX Trial Agreement. On XXXX, my wife and I signed it and faxed it back to him at XXXX. He then said in order to lock in on the loan modification, we needed to send the first of XXXX payments {$610.00} by XXXX ( person to person to XXXX XXXX ). We did and he emailed me a receipt. He then called the next day ( XXXX/XXXX/16 ) to say in order to lock in on the 2 % for the life of the loan we had to send the other XXXX payments of {$610.00} each ( sent {$1200.00}. We did, XXXX person to person to XXXX XXXX. The next day he emailed another receipt. ( his email address : XXXXXXXXXXXX ). On Friday XXXX/XXXX/16, XXXX XXXX called and said everything was good, however : they could not guarantee the 2 % fixed rate for the life of the loan unless I send them an additional {$860.00} for processing fee. That 's when I became very suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
They did n't pay my insurance out of escrow and my insurance was canceled. They then said they would take care of it and it would not cost me more than what the other policy was. They then, without my knowledge purchased and payed for out of my account, a new policy XXXX times the cost of the original.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: USI Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving calls for a few years now about a " loan '' that I took out. No one will provide me in the mail with any information, other than this case is now in " legal ''. Incredibly aggressive tactics, AND the story, most notably the date of when this loan was taken out has changed numerous times, depending on what company calls. Most dates seem to be in the XXXX to XXXX range, however, I am given an address that I have n't lived at since XXXX and an employer name I have n't worked at since XXXX and a XXXX ( I have never banked at XXXX ) This new company seems to have my current address and made an insinuation that I am " hiding '' something when I refused to provide the last XXXX of my SSN or Verify my address. I do n't know this company and I do not owe ANYONE any money, so I am a little bit nervous about sharing personal information over the phone to someone aggressive, ESPECIALLY when internet searches of this company reveal some pretty bad information, including their previous name of XXXX, who was seemingly sued multiple times for poor debt collection practices. They have also called my wife on her cell phone. I just want this to stop, I am not paying anyone, anything. I get up, go to work everyday, have good credit, and am a good person, I just wish these people would actually go and make an honest days living, instead of this. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX-XX/XX/XXXX {$300.00} limit, paid on this account through out the years before learning my rights pursuant 15 USC 1692g I am the original creditor, my personal information, and account information was sold to Portfolio Recovery Associates , XXXX . without my consent or permission. XXXX XXXX has violated as a federally protected consumer under 15 USC 1692 & 15 USC 1681

Company response to consumer: Closed with explanation