BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-13
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought my home with an FHA loan and it is with Ocwen. Ocwen is a bad company, they are terrible at communicating, they transfer me to XXXX and I talk to people who are hard to understand. They won't tell me what is going on with my homeowner assistance request and send me threatening letters about how they are going to sell my home. They are ignoring me and will not open up a review of my current financial information or assign an account manager. I have told them that things have changed with my financial circumstances but they don't seem to care and are just marching to foreclosure. I want to fix this and have enough income to make the mortgage payment now but need them to work with me. 

I bought my home in XX/XX/XXXX with an FHA loan backed by HUD that was with XXXX, then XXXX and has been with Ocwen for the last few years. I worked in steel fabrication management for over 30 years and made a solid living and had no issues with any bills or mortgage payment until my vengeful ex-wife got into my bank accounts and literally stole everything that I had in XX/XX/XXXX. This was a shock, I had no money to pay any bills and defaulted on my mortgage. I began borrowing money from friends and relatives to try and get caught up and was making double payments to Ocwen to show good faith., I ended up having my wife arrested and she went to jail for her actions. Just when I thought I was getting caught up on things I suffered a XXXX XXXX and was out of work. When I was ready to come back I was laid off. 

I tried to find a job in XXXX XXXX XXXX but due to my age I was not able to find that type of role. I ended up taking a security guard job at XXXX. Although I make less money, at least I have the means to pay my bills. I have been trying to get Ocwen to conduct a review of my current and correct financial information. As stated, I have a live-in girlfriend who contributes and I am working full time. Because of my low loan balance, I am certain that I qualify for loan modification, partial claim, special forbearance or even a repayment plan. However, instead of opening a new review and assigning a point of contact, Ocwen has chosen to put me in foreclosure and set a sale date. 

I was told that Ocwen is REQUIRED to conduct a review of the current financial information and allow me to be considered for these programs. I don't know why they have failed to offer this to me, why they have failed to assign a designated point of contact. I don't know why Ocwen will not communicate with me, and instead chooses to harass me with threatening letters. I want to fix this, I want to pay, but a review needs to be conducted. I can make a mortgage payment and can address the late payments as well if Ocwen would just give me the chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
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:
XXXX  and Equifax refuse to remove fraudulent accounts from my credit report. I have reported this to no avail. They are in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 checked my credit file today with TransUnion and noticed I have 3 unauthorized inquiries for a company called XXXX XXXX XXXX and two are from XXXX and the other in XXXX. I have no idea what XXXX XXXX XXXX is not have I ever done business with them. I have had identity theft problems for the past three years as TransUnion is well aware of. I have filed an Identity Theft Report as a result of the unauthorized inquiries. Included in this complaint are : Identity Theft Report, Letter to Equifax, FCRA 605b, Credit Report, Drivers License, and Social Security Card.

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 2020-01-06
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX Reported : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX  Reported : XX/XX/XXXX+ {$1200.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX +  {$620.00} Closed

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 2019-11-22
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid in full I still have a current active policy with XXXX   XXXX. This company is trying to collect on monies not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: EQUIFAX, INC.
State: MD
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: Other problem getting your report or credit score

Complaint:
On XX/XX/2018, I applied online to received my credit report and score. I paid for it with my card ending in XXXX. I was prompted to contact Equifax after my verification. I talk with representatives twice on XX/XX/2018 and twice on XX/XX/2018. I still did not receive my score and report in which I was charged XXXX. I was instructed to take out a credit monitoring service, which I declined. I explained that I had paid for my score and report and that's all I wanted, The representative hung the phone on me twice after the repeated calls. I requested for a supervisor, who asked for another credit card to process a new order. I explained that I paid for my score and report and I will not give them another credit card for something I already paid for in advance. I have a limited income and can not afford to shell out money because of an Equifax problem. 
I did my part and paid for the product. Equifax was negligent with delivering the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX partial account XXXX that belongs to the Merchant : XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is high balance of {$300.00} in XX/XX/XXXX This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/XXXX. 

XXXX, I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX account # XXXX which is also the same account associated with their collection agency, XXXX XXXX account # XXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is charged off for {$560.00} in XX/XX/XXXX under the XXXX XXXX and with XXXX XXXX that the derogatory condition is {$520.00} past due in XX/XX/XXXX. This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Twice in 2019 I tried to contact Mr. Cooper, an online mortgage servicer, by email. I often received prompt responses from customer service agent XXXX XXXX. 

However, these responses almost always failed to answer the question posed or escalate the service beyond XXXX. 

In the XXXX of 2019, I reported Mr. Cooper to this site for failure to produce necessary mortgage documents after weeks of attempts. This happened again in XXXX 2019. 

Indeed, an email link on the Mr. Cooper website, to which XXXX refers clients for important documents, " Research, '' seems to produce no responses at all. 

So this is my second complaint to CFPB about Mr. Cooper for the 2019 calendar year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: CA
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:
XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX  XXXX Automobile Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Automobile Dealers, New XX/XX/XXXX Equifax XXXX XXXX Automotive XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Finance , personal XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Finance Companies - non specific XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
On my XXXX XXXX account there is a reference to an old Discover card account that indicates it is " active ''. I contacted Discover card services in Delaware, spoke to a representative named XXXX, gave him the account last 4 numbers, and was informed that I had no active account with them, and that their records did n't go back further to identify me or my wife as a card holder. Which is interesting since this account shows I have a {$3900.00} balance. Since I ma quite certain that I do not use, nor intend to ever use Discover in the future I 'd like to get this information corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 report shows that co-guarantor on a loan from XXXX. This shows up on my credit report as a student loan. I reported this as an error through XXXX XXXX and the response back from XXXX was " It looks like this item is actually correct and that it 's going to stay on your credit report ''. I have not co-signed or guaranteed any student loan from XXXX and have requested a copy of the fully executed loan agreement with XXXX that bears my signature. This documentation has not been provided back to me because it does not exist. I demand that this be removed from my credit report! Please help.

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 2022-01-25
Company: M&T BANK CORPORATION
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This agency representative XXXX called me back in XXXX saying she was from XXXX XXXX and XXXX, claiming that M & T Bank was going to take action to sue me for a charge off that that I supposedly had in XXXX. I said I know of no such debt and she said call M & T bank charge off and recovery to straighten out. I did call them and they search my name all the way back to XXXX. No charge off was ever placed against me, and that thay use their own collection service that its probably a scam. Then Yesterday again I get this call from XXXX XXXX with same information. When I told her I talked with M & T bank, she got uptight and said with charge offs and recovery, I said yes and she said is this the last four digits of your ss number and stupid me said yes, but I have no debts and that M & T bank told me it was a scam. XXXX immediately said said your refusing to pay, I said I owe nothing and she told me they will proceed with legal processing and hung up. I have the phone numbers off my phones that I do not recognize but believe is how they called me and left the voice XXXX and XXXX, the number to call back was XXXX. I called her back and said they are to cease a and assist calling me that I was hiring legal lawyer to handle this matter. What scares me is they have my ss last four digits please advise

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to Consumer Fair Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

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

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 2021-07-23
Company: EQUIFAX, INC.
State: NV
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: Other problem getting your report or credit score

Complaint:
I am blocked from accessing the website even after providing all of the requested identity documents. I will attach those documents again so maybe this time they will actually allow me to access my credit on their website with my email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Convergent Resources, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notice from checking my credit report on XXXX that I owed a bill to XXXX  XXXX collecting for XXXX XXXX in the amount of {$700.00}, I have previously had this debt removed that was sent to several other collection agencies by XXXX & had explained to them that the account they were inquiring about was not mine but was my mother in law 's cable / internet when we lived with her, was not discharged properly due to us being evicted from her residence & having a guardian put over her finances & estate

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 2020-01-06
Company: WELLS FARGO & COMPANY
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I received a call from Wells Fargo Mortgage on XX/XX/XXXX at XXXX XXXX. I advised it was past time and hung up. I ended up calling them back 10 minutes later and the representative I spoke to said it was just a courtesy call when I advised her how late it was. I explained the FDCPA and calling after XXXX is not ok. I spoke to a supervisor and all my information was passed along to a complaint dept. I was called back on on XX/XX/XXXX at XXXX XXXX. The woman stated she would look into the issue and call me back within 5 days. I have never received any call back regarding the issue as of XX/XX/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 2020-01-06
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased a ticket through zelle and XXXX bank, after reviewing ticketmasters policies. XXXX claimed that tickets were instantaneous and not refundable when transferred. After the seller transferred me a ticket and I accepted it a little while later XXXX emailed me saying they were fraudulent. according to ticketmasters online statements once you accept the tickets there is no problem. These tickets turned out to be fraudulent and now XXXX nor zellewill refund my {$270.00}. The ticket transfers were done with in the XXXX app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I wrote XXXX to inform that there are creditors that theyre allowing to report against my credit report that I have no legal binding contract with. And they informed me that I would have to get an attorney to have the items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
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:
There are 3 accounts which have been obtained fraudulently and without my consent. They are reporting as XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX. These are causing a lot of harm to my financial well being because my credit is taking a huge hit because of these thieves who used my info to get credit.

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 2020-04-21
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:
The account in question is in my opinion a duplicate account caused by a bank merging from XXXX XXXX XXXX  to XXXX XXXX  and the opened dates, balances, and account numbers are identical and the only credit bureau reporting the duplicate accounts is Equifax. 
On XX/XX/XXXX I called the loan servicer ( XXXX XXXX XXXX ) to verify information and was told the accounts in question could not be located and the correct accounts were verified. 
On XX/XX/XXXX I disputed incorrect information on my credit report. 
On XX/XX/XXXX I was notified that the dispute was finalized and the result was that it was " verified ''. 
On XX/XX/XXXX I called the Department of Education to verify information and was told the accounts in question were not able to be located and was told to re-contact XXXX XXXX XXXX. 
On XX/XX/XXXX I called Equifax to inquire about these results and was told that " it was verified '' and that they didnt have proof of verification and that they " report what is reported to them ''. 
On XX/XX/XXXX I then opened another dispute. 
On XX/XX/XXXX I contacted XXXX XXXX XXXX to ask for a " loan verification letter '' to provide to Equifax as they are incorrectly verifying information. They stated they couldnt send it to Equifax however they could send it to me and I could send to them. 
On XX/XX/XXXX I sent a method of verification letter and the loan verification letter to Equifax via certified mail. 
On XX/XX/XXXX at XXXX this letter was signed and received by Equifax. 
On XX/XX/XXXX I received 2 notifications on XXXX that 2 accounts on my credit report has been updated. This account was " updated '' based off of the loan verification letter sent, however, this form was labeled " XXXX XXXX XXXX XXXX  '' and the updated account was " XXXX XXXX XXXX XXXX XXXX  ''. 
On XX/XX/XXXX I called Equifax at approximately XXXX and spoke with an individual who told me that the accounts were " verified ''. I then asked to speak with his supervisor, the supervisor was XXXX, employee # XXXX. He refused to provide documentation of how the account was verified and also refused to have the accounts deleted off of my credit report. When I asked for the account numbers for the accounts in question, they were the same account numbers as the correct accounts with XXXX This indicates duplicate and inaccurate reporting as XXXX XXXX XXXX  was bought out on XX/XX/XXXX by XXXX XXXX. I then told him I would be filing a complaint. This conversation lasted for 1 hour and 15 minutes in duration.

Company response to consumer: Closed with explanation