BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-15
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I filed chapter XXXX bankruptcy in XXXX and my mortgage was included in my bankruptcy. My bankruptcy was discharged in XXXX, XXXX. Ocwen Loan Servicing was paid by the trustee each month. I paid my mortgage in full each month on time!!!!! I received paperwork from Ocwen Loan Servicing on XXXX/XXXX/XXXX that my mortgage was delinquent in the amount of {$8900.00} for XXXX - XXXX. They are now threatening to foreclose on my home if I do not pay the {$8900.00} by XXXX. 

Also, if they had not received payment from XXXX - XXXX, they would have informed the bankruptcy trustee and my house would have been foreclosed on then!!!!!!!!!!!!!!!!!! 

ON ONE HAND THEY SAY I 'M CURRENT AND ON THE OTHER HAND THEY SAY I 'M DELINQUENT. 

My account was never updated with regards to my bankruptcy. My account should be current!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: High Point Asset Inc
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a call from High Point Assest, Inc on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. These same people have been calling my family, in particular, my XXXX year old mother who wants to give them money my behalf. All of my payday loans were paid years ago. I received a letter via email but not U.S. mail. 

These are people who change their names and identities. This should be criminal. I had payday loans during the down fall until I could pick up a XXXX job. 

I believe I am going to create a script to possibly scare them as much as they are scarring my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: TX
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:
The credit card balance reported for XXXX XXXX XXXX account ending in XXXX is incorrect. Please update with the accurate balance of {$460.00}.

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 2022-03-02
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Ally financial received notice and evidence of them calling a stranger and discussing my debt with this person. 
Ally financial refused to address their violation of the law. Ally financial continues to make threats to me when I address their criminal acts.

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 2015-07-31
Company: Michael & Associates, PC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I became underemployed due to my son 's health issues. XX/XX/XXXX, XXXX XXXX suddenly raised my minimum payment from {$1200.00} per month to {$2100.00} plus per month. I called XXXX XXXX continually, explaining that I could not pay this amount, because I am underemployed due to my son 's health issues. I also changed my account from a platinum card to a green card, to lower the yearly fee from {$400.00} plus to {$55.00}. Even though they could see that I was struggling financially, they refused to lower the monthly payment, continued to charge me interest on my card, as well as fees, and even though I made payments, they still reported me as late if I did not meet their high minimum payment. Still, I paid what I could as often as possible. On XXXX XXXX, I paid XXXX {$2100.00}. On XXXX XXXX, I paid XXXX {$500.00}. On XXXX XXXX, I paid XXXX {$1000.00}. On XXXX XXXX, I paid XXXX {$1300.00}. On XXXX XXXX, I paid XXXX {$200.00}. On XXXX XXXX, 2015, I paid XXXX {$1000.00}. On XXXX XXXX, 2015, XXXX filed papers to sue me, even though I had been paying them as much as I could as often as I could.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: General Motors Financial Company, Inc.
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
i purchased a auto loan with GM financial. My interest rate is almost 18 % and i have found out from other lenders that my auto is underwater. I have tried several time to get my car refinance and no other lender will touch the loan, i am being charged over XXXX more than what the vehicale is worth. I keep attempting to get out of the loan however, can not find a lender. 
first of all back in 2012, i was told the rate was 11 % however when the final paperwork was done it was over 18 % this is preditory lending because i am XXXX XXXX women. please send me someone that can help me. i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: DFC Global Corp.
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I 've been getting letters from loan places. I got a loan once, and ever since I 've been receiving letters saying I owe I payed so I figure it was paid for but I keep getting letters saying their was a new loan that was n't me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Ocwen Financial Corporation
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Ocwen Loan Servicing , LLC continues to send mortgage account statements on property that has been foreclosed on ( XXXX XXXX XXXX XXXX, XXXX, NC XXXX / XXXX County, NC XXXX ID XXXX ). 

Deed filed XXXX County, NC XXXX of Deeds Book XXXX, Page XXXX of where the XXXX XXXX XXXX XXXX , XXXX foreclosed on home and grantee is XXXX XXXX, XXXX for {$3500.00} recorded XXXX XXXX, 2012. 

Then deed filed XXXX County, NC XXXX of Deeds Book XXXX, Page XXXX XXXX XXXX XXXX, XXXX to XXXX XXXX XXXX XXXX. 

Then deed filed XXXX County, NC XXXX of Deeds Book XXXX, Page XXXX XXXX, XXXX XXXX, XXXX XXXX to Grantee XXXX XXXX. 

Ocwen Loan Servicing has been made aware of the sale by myself sending them deed book and pages of the sold home.

Company response to consumer: Closed
Consumer complaint received 2016-06-21
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I need access to my property, for a realtor to appraise the home for a short sale. The mortgage company OCWEN will not talk to me, as they have pass the debt to a collection agency XXXX XXXX, XXXX. The collection agency will not ask the mortgage company for the name of the company I need to call to get the key. I ca n't get the process to move forward with out the appraisal, yet they both want payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: General Motors Financial Company, Inc.
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This debt is from 2006 This is the 1st notice I 've received since then and my check is being garnished. This debt had passes the SOL.I was never informed they were working towards garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: C.Tech Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This involves a dispute that was resolved in my favor in XX/XX/XXXX, for a XXXX service by XXXX XXXX on XXXX XXXX XXXX. 

The service was done without any disclosure of the pricing, after which I was forced to pay the sum of {$3100.00}, - for a facial service lasting less than an hour. I was told I could dispute it or ask for a discount after the fact. 

I won the dispute providing evidence of other merchants in the same line of business, who stated that the charges were more than outrageous, as common sense would tell you. 

You 'll understand my surprise to now learn that the merchant engaged debt collectors after agreeing to resolve the dispute in my favor and releasing the charge made. 

I have gotten in touch with the debt collector and explained my situatin. I was asked to put things in writing, so I did, also providing proof of the dispute being resolved. I was told my case would be discussed internally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was added as an authorized user on an account without my authorization or knowledge. The account is XXXX XXXX # XXXX. The account holder later defaulted on the account, now the account is reporting on my credit as charged off. I contacted the XXXX credit bureaus to have the account removed off my report. The account was deleted by XXXX and XXXX, Equifax refuses to delete the account. I never opened this account, I never signed any agreement with the creditor, now I 'm having issues trying to buy a house because Equifax is reporting incorrect information and the creditor is illegally reporting this account as mine. Please delete this account from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am on XXXX looking at my credit report from you and there are multiple mistakes but it 's not allowing need to dispute anything through XXXX so then I went to your website and I still ca n't dispute it because I do n't have a credit report number so this is why I 'm contacting you on here. 

First there are XXXX accounts with XXXX both accounts have clearly been compromised there are multiple transactions that are fraudulent the account should be closed immediately and a fraud investigation begun I should not be over my credit limit I should not be past due XXXX XXXX accounts closed in to stop reporting the negative information that does not belong to me XXXX of them has a balance of {$5800.00} the other XXXX has a balance of {$1900.00} XXXX account says that it 's closed has an amount due a {$5200.00} absolutely no knowledge of this account this account never belong to me I do n't know where it came from like it was open back in XX/XX/2014 but again I have no knowledge of this account XXXX closed account balance {$1500.00} again I have no knowledge of this account this was clearly open front and XXXX and I am unaware of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are multiple inquiries that I did not approve of. The ones I authorized were : XXXX, XXXX, The XXXX XXXX XXXX dated XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE NEVER HAD A " TIMESHARE '' WITH ANY COMPANY- I HAVE DISPUTED WITH EQUIFAX SEVERAL TIMES IN REFERENCE TO A COMPANY NAMED XXXX XXXX XXXX THAT HAS MY SOCIAL AND IS REPORTING AN ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE FILED A POLICE REPORT AND THEY REFUSE TO COMPLY WITH THE AUTHORITIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX is still reporting on my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have reached out to the company several time I sent in a copy of my identity thief report this account is still being reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed with Equifax and answered my own questions correctly but could n't dispute because it said I answered them wrong. I think I know about my own history. I disputed with XXXX but they have yet to even acknowledge my dispute- the information is either not an account of mine because I have n't had an active cell phone in my name in years or is time barred for reporting purposes/legal ramifications. The company, XXXX XXXX itself withdrew the collection and sent back to whatever company ( XXXX? ) that it bought the debt from. Yet the damage has been done to my score - on XXXX I lost XXXX points! Unbelievable that people -with no actual proof -can damage someone 's credit reputation. Good job credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have two credit cards that have fallen past due through Comenity Bank. One for XXXX and the other for XXXX. They repeatedly call from blocked number, admitted to doing so and refuse to stop. I 'd tried to work out a payment arrangement before getting three months behind, and they refused that as well. 

They continue to call despite my earlier request that they stop, and communicate only through mail. Which they have not done. I had 6 phone calls from them via blocked numbers before XXXX this morning alone. I counted 9 yesterday, with one as late as XXXX. I want this to stop. I am already in the starting process of bankruptcy, and this harassment does n't do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Wells Fargo is allowing a merchant and their employees to rob me of {$3600.00}. I liquidated some of my IRA to pay off the fraudulent transaction in an attempt to prevent further damage to my perfect credit. 

On top of that wells fargo is trying to profit on the interest earned during the 1 year period I have been fighting this fraudulent charge. Any gap in fighting this transaction with wells is due to their complete inability to be of any help or at a minimum provide some type of customer service. During any " gap '' in me fighting this I have been reaching out to the merchant, XXXX police ( who told me this is Wells issue and did nothing ), XXXX XXXX XXXX XXXX, the FTC, and the CFPB. 

This is causing serious harm to my credit score, caused harm to my retirement accounts, and is causing me general financial harm. I have provided a recount and explanation of the scam, an example of forgery of my signature on a receipt provided by merchant, proof of my time at merchant, examples of XXXX reviews of the merchant where pricing matches what I am stating in my explanation of fraud, examples of XXXX customer reviews where other customers complain of being scammed in a similar way. Yet wells claims I have not provided any information to dispute the transaction. They claim they cant help me because I signed the double charge receipt. THAT WAS THE SCAM. I was in a VIP room and being told I still owed for the time I agreed to because the bank came back and blocked the transaction. I was told I should have a text saying the transactions were blocked and I need to accept them. I did so naively I fell for it. What was I supposed to do? Fight my way out of the club? 

The merchant is flat out robbing me and all wells needs to do is reverse the transaction to protect my finances and credit. This is their responsibility as a lender. 

I have been a customer for over 10 years. In that time I have hed multiple credit cards, a line of credit, and accounts all used perfectly. 

I refuse to be victimized by this XXXX merchant and your XXXX bank. I will dispute this transaction daily until Im given justice.

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 2017-04-26
Company: Receivables Management Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After reviewing a copy of my credit report, I noticed multiple collections account placed on my credit report from your company IMC Credit Services LLC from 2014.. I am requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and the hospital /medical provider to which I owe the debt and a detailed breakdown of the fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act { HIPAA }, to protect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Also, please provide proof of identification upon treatment, and my signature with the provider of service to release my information to your company IMC Credit Services LLC. Cease any credit bureau reporting until this debt Is validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: MINNESOTA LIFE INSURANCE CO., THE
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a loan with personal finance in XXXX, Indiana. I recently called to discuss the amount due on my personal loan as it did n't seem like it was correct going by my records. I expressed my concern with a lady named XXXX. After talking with her she had no idea what was going on. I then asked to speak to the branch manager and was told they did not have one. I was shocked to find out that there was not an operating manager at the business. She informed me that there training supervisor was there. I spoke to her and she said she did not have time right now to discuss with me and would call me back that same day. This was Friday XXXX XXXX. I never received a call, had to call them and told that I would receive a call back Monday. This never happened. I am due for XXXX of charges that are not explainable. The company recently got bought out by mariner finance.

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 2017-03-02
Company: First National Collection Bureau, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving letters from First National Collection Bureau , Inc for the current creditor " XXXX XXXX XXXX '' for XXXX XXXX XXXX XXXX for a debt I do not owe. 

The Ref # is : XXXX in the amount of {$1600.00}. I do not owe this debt and want them to stop contacting me.

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: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Letter sent to me pertaining to my DEAD husband 's account. My husband died on XX/XX/XXXX ( almost 25 yrs. ago ). I believe the account was paid off, but I might be wrong. But I do believe there is a statue of limitations with debt collections. I would consider 25 yrs. within that limit. Also, it was sent to my current address that has never been associated with my dead husband at all. I am not listed on this account at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received proof of any debt and an opportunity to dispute it. I have contacted Hunter Warfield directly and they confirmed they had the wrong mailing address and that I did not receive any documentation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ME
Product: Payday loan
Issue: Can't contact lender

Complaint:
I filed a complaint against Ace Cash Express a week or XXXX ago for not letting me make payment arrangements on my loan and not notifying me that they no longer do business in the State of Maine for pay day loans. I started receiving collection calls from them. They will call on several different lines so you can not block them. While I appreciate someone trying to collect a bill this was just plain harassment as they do n't say anything. The last straw was a call after XXXX pm last evening XXXX/XXXX/2015 from XXXX, NH. I received an accesive amount of calls XXXX to be exact yesterday XXXX/XXXX/2015 with no message or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Thaxton Investment Corporation
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
After receiving a letter of representation from my attorney, the creditor continued to communicate with me instead of my attorney.

Company response to consumer: Closed with monetary relief