BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-16
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Don`t know what happened with my first complaint, now I am starting over. Perhaps you will retrieve it. As, I have stated this complaint is about a loan with the XXXX lender XXXX XXXX XXXX XXXX XXXX. XXXX transferred it to XXXX and finally to Ocwen. The home was purchased in XX/XX/XXXX by me and my daughter. Many years later we asked Ocwen to sent loan documents to examine. To our surprise we found that the co-borrower signature had be compromised and placed on documents unauthorized. A complaint was made with the Commissioner of Banks and a fraud package was sent to us by Ocwen. All documents were filled out and forwarded back to the commission. Ocwen continue to " state that they never received the paperwork. The commission contacted Ocwen and spoked to their contact and finally they got the documents after continuing on going complainting. Recently, this company did not report to the credit bureau our earnings sent since XX/XX/XXXX. Reporting just started a month or so ago and the second loan still is not being reported. Since they became my servicer I have been loyal and pay every month on time without late entry`s and this is how we continue to be treated. Ocwen promise to send a explanation in writing explaining what happen in why they failed to report to the credit bureau, but still have not received XXXX response. As a result, emails have been sent to upper management and just have been ignored. I am tired now at this point paying money for a home that was attained under false pretenses. I have the right to no what happen. I believe all the parties should be held accountable for their wrong doing. I do hope you can assist me into making the right decision.Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in the middle of year 2 of my chapter XXXX. Flagstar purchased my mortgage from my original lender. My mortgage is being paid by my Chapter XXXX  Trustee. They have been doing this since the beginning of my Chapter XXXX.

Since flagstar purchas
ed my mortgage they have been sending me 2 notices a month ( both acknowledging my Chapter XXXX  ). One on available resources to change my payments, and the 2nd one an invoice for the delquency.

Today I received a certified letter stating that it an attempt to collect this debt. I still have 19 months before my discharge.

Is there anything I can do about this harassment? Flagstar bank is the only one of my creditors that is doing this.

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 2020-01-04
Company: Regional Management Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I applied for a loan with this company for {$5000.00}. I made multiple payments and they didnt report them to the credit bureaus. I then fell into a situation where I was laid off and had the insurance where if I lost my job the loan would be paid off. I provided proof of this to them. Since then the have reported negatively charged it off and still continue to add interest each month to my account and pull my credit report without my permission. They have done this four times different months. I have tried to dispute this and they wont stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: DE
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:
Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX XXXX. XXXX XXXX Open Date : XX/XX/XXXX XXXX. Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020. The 30 Day demand to comply was sent on XX/XX/2020.

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 2020-01-21
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX forcing paperless billing without consent. 
Did not get a paper bill for XX/XX/XXXX/XX/XX/XXXX then again XX/XX/XXXX/XX/XX/XXXX. Card was then shut off until I called them then sent check for entire balance XXXX {$2000.00} I paid {$25.00} fee {$20.00} interest for XX/XX/XXXX statement then paid {$39.00} fee {$31.00} interest XX/XX/XXXX statement. Was told no refund then it is on my credit report. I would like it expunged from my record and XXXX need not turn accounts into paperless at there will will they acquire your e-mail address. I ordered a new card online prior to this and they signed me up for paperless automatically. I did NOT approve they say I did. 
No one pays a bill they do not receive. I am positive this has happened to many others. I believe the interest and fees they charge under these circumstances are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, 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:
During the month of XXXX I initiated a dispute with Equifax in regard to the erroneous medical debt that has been placed on my credit file by specialized collection systems. Equifax is THE ONLY credit bureauout of all three that has allowed this erroneous collection to report to my credit file. Equifax has recently stated that they verified this alleged debt with XXXX XXXX XXXX, XXXX. This can not be true because this debt is invalid. 

In pursuant to the FCRA section609 ( A0 ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who verified XXXX XXXX XXXX XXXX. I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged balance being placed on my Equifax consumer file. All information in pursuantto the FCRA section 609 should be mailed to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
It is being reported by all 3 bureaus a charge off of {$240000.00} from XXXX XXXXXXXX XXXX. It is benig reported by Experian and XXXX  as a " charge off '' and that the account i question was closed XX/XX/XXXX yet months following there is no data until XX/XX/XXXX they state a last payment and XX/XX/XXXX a 1st deliquency. For years XXXX and XXXX they report " no data '' then pick up in XXXX CO which means charge off and have continued to present. 
I have submitted multiple disputes only to receive a message that the account has been verified and that it belongs to me. Well the problem I have is ; I have spoken to a XXXX XXXXXXXX XXXX representative from the number that is provided. They have NO record of me or the debt nor have they been reporting according to this representative the other day and have opened an investigation, report # XXXX. 
It is my opinion XXXX and Experian are self reporting perhaps for personal gain, but it is now become noticeable this is harassment. I also disputed this information with XXXX and they have since " removed '' this from my credit report. 
This information is causing me financial harm and have been denied loans which I needed to purchase a home. Now they have changed this information to closed v/s charge off which from their description a " closed ' account can remain for 10 years v/s 7 years for a charge off bad debt, late payments. This has now reached the 7 years.

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 2016-10-29
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A fraudulent company who charged my wife and I on an account that had been closed for 2 years. Instead of correcting the issue we got the run around and are now unable to move in to our apartment in a new state. The staff is completely incompetent, and extremely unhelpful. It took them XXXX days to figure out that they had committed a fraudulent charge. We are now living out of a hotel which is costing us hundreds of dollars a day for charges we never owed, since Hunter Warfield marked my credit report. I am unable to move into my apartment I was promised XXXX hour resolution and a letter stating that we owed nothing and that the charges were fraudulent. We have not received anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04
Company: ID Analytics, Inc.
State: NY
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:
This company sagestream, never heard of reported to XXXX XXXX XXXX, made up info about my credit, such as consumer associated with too many phone charges, and that balances on credit limits too high, where are they getting information, and then to top it all off they said my credit score was XXXX what is this at the time my score was XXXX, something no right they need to be investigated, who are they, now Im denied a credit card at XXXX, and I have a account already with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions 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:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX/XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$8700.00} XXXX XXXX XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX XXXX $ XXXX XXXX {$590.00} XXXX XXXX  XXXX {$22000.00} XXXX  XXXX {$10000.00} XXXX   XXXX  XXXX {$1000.00}

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 2020-08-05
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:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX  XXXX {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX XXXX {$640.00} XXXX XXXX  XXXX {$8700.00} XXXX XXXX XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX XXXX $ XXXX XXXX {$590.00} XXXX XXXX XXXXXXXX {$22000.00} XXXX  XXXX {$10000.00} XXXX   XXXX XXXXXXXX {$1000.00}

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 2015-10-23
Company: HW Holding, Inc
State: VA
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:
Apartment Lease ended - we provided 60 days notice as required by leasing agreement. Removed all personal items and clean the apartment and return all keys. 

Paid remaining balance to Landlord. Landlord sent an itemized bill. Attempted to obtain clarity, no resolve. Filed a civil suit in court and judgement for Defendant. Paid the amount of XXXX via Check. 

Called landlord and settled the amount owed and paid via check. 

Now - have collection agency call me about the same debt. 

Hunter Warfield ( XXXX ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: WA
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'm trying to apply for a Mortgage/Home loan. While my lenders perform credit check, they come back stating that the credit history doesn't exists and few come back stating FICO doesn't exists. Request you to help me in adding my credit history/FICO 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
Consumer complaint received 2020-07-06
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: Investigation took more than 30 days

Complaint:
showing ftc vioalations proven 
filed ftc also 
XXXX XXXXDispute
XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
XXXX XXXXDispute
XXXX XXXXDispute

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 2016-03-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a pending judgement from XXXX XXXX. This is incorrect. There is no pending judgement. This account is showing under my bankruptcy with XXXX XXXX, not pending.

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 2020-06-21
Company: Experian Information Solutions Inc.
State: IL
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:
I have repeatedly tried to get my free report from Experian. 
Two times in XX/XX/XXXX, the agents just wasted my time reading questions that already appear online and said that my answers don't match. This is only possible if they have made mistakes in their data. I have successfully used XXXX  and XXXX  online. 
The experian online free report ( via XXXX ) always says " we are sorry ''. I have treid this multiple times. The last time this happened is 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 non-monetary relief
Consumer complaint received 2016-01-27
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2000 an erroneous auto bill payment ( from Wells Fargo checking account ) was posted to a closed personal loan account ( was paid off earlier ). The money was never " Posted '' to the loan and nobody can tell me where the money went. I keep getting passed from department to 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 monetary relief
Consumer complaint received 2022-04-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I presently have a Wells Fargo Free Checking account ( ending in XXXX ). The stipulation when I opened this account is that it is free checking as long as I have direct deposit from my employer. I have maintained this requirement to date. On XX/XX/XXXX and XX/XX/XXXX I was charged a NEW {$12.00} Monthly Service Fee. I reached out to Wells Fargo and explained this fee is in error as I have FREE CHECKING per the arrangement in writing upon opening my account. On XX/XX/XXXX, Wells Fargo opened CASE ID number XXXX. On XX/XX/XXXX, Wells Fargo refunded {$3.00} for XX/XX/XXXX and another {$3.00} for XX/XX/XXXX. They did not refund the entire fee which was unjustly charged. At this time, I am owed {$18.00} from Wells Fargo for unsubstantiated Monthly Service fees.

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 2017-01-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
i faxed chase jp morgan two seperate times at the XXXX XXXX fax number for disputed charges only to be ignored get zero coorespondence and its a lot of money and its mine. with all the tricks out there, i dont know how they got my info. 
ill list the charges cause theirs a bunch. 
i live in XXXX, i have XXXX notirizsd letteres from XXXX seperate people, i wasnt even in XXXX from XX/XX/XXXX till post new year. not to mention guys i have the letters i never in my life stayed at the XXXX in XXXX but theirs a charge for {$1600.00} on XX/XX/XXXX which ive told chase about but did nada. all i rrequested wasa signature to verify allowance of these charges or proof my pin number was used and to this day a year later ignoring me. next couple charhes were by med places which one i dont recognize or gave auth to charge on XX/XX/XXXX for {$150.00} to XXXX never been there ... next XX/XX/XXXX XXXX XXXX XXXX for & XXXX andnog onnly did my indurance pay hin but i was three days XXXX, i was in bed ... .next XX/XX/XXXX from XXXX for XXXX..they promised the tickets i never got them and if they claim i do show me my signature caue you know they send XXXX or XXXX! same deal w/ XX/XX/XXXX from XXXX for XXXX never got the tix ... XXXX last XXXX from XX/XX/XXXX from XXXX ... i ordered the items, they were delivered signed for not by me or this house and again chase just ignoring me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
my loan is now being serviced by ocwen. they increased my escrow amount ... ... it is only pmi ( no insurance or taxes ) escrow is not to increase. The loan was transferred from XXXX to ocwen. they have given me all kinds of excuses. XXXX did not send the escrow money ... I told them to ask XXXX for it. then that was not the issue. I have tried for two years to get this resolved with ocwen and to no resolve. please help me. XXXX XXXX XXXX my mailing address is XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I sent them a second notice. They have not sent my title and the amount for the car has been taken care of and they have yet to report it to the creditors. They have violated rules.

Company response to consumer: Closed with explanation