BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-30
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for & received a loan from Bank XXXX which was then transferred to OCWEN for servicing. In XXXX 2015 I was notified by OCWEN that my loan was a balloon loan which was the first I heard of a balloon loan. I started working to refinance with XXXX when I was told by XXXX that I did not have a balloon loan therefor they could n't refinance. Many hours of phone calls with OCWEN followed with some people admitting that I do n't have a balloon loan while others say I do. Nowhere on my promissory note does it say anything about a balloon loan or balloon payment. I just finished a call with OCWEN when I asked the operator to forward a copy of any balloon loan disclosures I signed. He searched for over an hour and determined that there was no such disclosures signed. I 'm not sure where to go from here but my loan matured XX/XX/2015 and they are now threatening foreclosure. When I enter the terms of my loan based on the promissory note in a loan calculator it shows that it would be paid off XX/XX/2015. HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: BANCO POPULAR DE PUERTO RICO
State: NJ
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:
On XX/XX/XXXX, I received a e-mail, stating that the loan I applied for ( on line ) on XX/XX/XXXX, was denied. There was no name or amount given. They indicated that they accessed my credit report. I Did Not Apply for a loan from this Organization. My Social Security Number and Identity were Stolen around XXXX. I Suspect, this attempt to obtain a loan, is from one of the Thieves, that stole my Social Security Number. I want this Organization to know that they Fraudulent obtained my Credit Report. This better not impact my Credit Report, or I will Sue them for Identity Theft. I did ask them to send me a copy of my application, they refused. Please address this matter, as soon as possible. I'm not sure if this Organization are the Scammers, Themselves.

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 2018-06-26
Company: Overton, Russell, Doerr and Donovan, LLP
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX have had my protective rights under XXXX XXXX State banking laws violated, basically because of an account support associate named XXXX XXXX, who does not understand the difference between a social security number and an EIN for a limited liability company. As you will notice from my attached inserts, a judgment on medical issues was granted against me XX/XX/XXXX. The law firm in question never submitted a complaint where I was legally served while I lived in either upstate XXXX XXXX   or the state of XXXX. I current have separate legal counsel working on vacating an illegal judgment by XXXX XXXX XXXX XXXX XXXX XXXX. This law firm that specializes in medical collections has abused the civil liberties of consumers for decades. The subpoena under CPLR Section 5222 ( b ) does not conform to state regulations in the state of XXXX XXXX  on the merits that I was never even issued an original complaint, that XXXX XXXX XXXX XXXX XXXX XXXX too a default judgment against me personally, not corporately. 

Most important, the judgment is against me personally and my connecting social security number, not any corporate entity such as my limited liability company registered as XXXX XXXX, XXXX. The hold on my {$5700.00} in funds in that account is simply a violation of banking procedures in the state of XXXX XXXX, or any other stare for that measure. My usage of my own money is being held against my rights to said funds, and XXXX XXXX XXXX XXXX XXXX should be held accountable. 

A separate complaint will be issued to the National Credit Union Association regarding the oversight. 

NCUA # XXXX Year Chartered XXXX Employees 326 Primary Regulator I demand release of my LLC account funds immediately.. Since the debt is being stolen from a non-entity connection, Im claiming an identity theft was used to process this hold on funds by XXXX XXXX XXXX XXXX XXXX XXXX, and that the New York State Bar Association must be informed of this illegal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: MicroBilt / PRBC (formerly CL Verify)
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, MICROBILT CORPORATIO add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor.XXXXBut companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-03-26
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to assume an FHA loan that is serviced by the company Mr. Cooper. I first contacted the Mr. Cooper assumptions team via email ( XXXX ) on XX/XX/2023. I never received a response. On XX/XX/XXXX, I was finally able to get a customer service representative from Mr. Cooper on the phone, who sent me an assumption " welcome packet '' via email. This packet asked for some information from me and some information from the current borrower. We both completed our respective pages and, on XX/XX/XXXX, we sent the packet back to Mr. Cooper via 3 methods : email ( XXXX ), fax ( XXXX ), and USPS. Each one included a request in the cover letter for someone from Mr. Cooper to acknowledge receipt of the packet and let us know if they needed any additional information. It has now been 4 weeks, and I have not received a single communication from Mr. Cooper in that regard. I sent an additional email to the same email address on XX/XX/XXXX, and did not receive a response. 

Since the beginning of this process, I have contacted the Mr. Cooper customer service line 5 times. I usually have to spend at least 15 minutes navigating their automated phone system before I can talk to a real person, because the system continually loops me back to the beginning of the process and I have to start over. Each time, I have ended up talking to a different representative. Each one has refused to let me talk to ( or even set up a phone call with ) someone who actually works in the loan assumptions department. This is problematic because each time I call in I get conflicting information about what information they have received from me, when they received it, when I will receive a response, and even whether the loan is assumable in the first place. I am consistently pointed to the same email address ( XXXX ) that I have contacted 3 times without a response. 

I do not know, and no one at Mr. Cooper seems to be able to tell me, the status of my assumption application. I've been told that the assumptions team is theoretically assessing my credit worthiness. I would love if that is the case, as that would represent progress. However, this seems impossible as I have not provided the typical information ( bank statements, income/employment verification, etc. ) typically used to assess credit worthiness. I would be happy to provide this information, but someone from Mr. Cooper needs to tell me how to provide it. All that I have provided thus far is the basic demographic information requested in the welcome packet, a photocopy of my driver 's license, and a photocopy of my social security card. Given that I still haven't heard anything back from Mr. Cooper, I now worry that I have given my SSN to a complete sham of a company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These are not my items reporting

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 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
As of XX/XX/2018 I paid for deletion of this anonymous account appeared on my credit profile, in the mist of me purchasing my home. I reached out to both bureau and lender. I called the lenders to inform them of this item that i have no knowledge on that is being reported by XXXX XXXX. Only reason I agreed to pay this amount that is Im in the process of closing on my house. Now this debt do not belong to me and the only reason we went ahead and paid this account only because the Company stated they will remove away from credit but they changed it to paid as agreed. This was not the the agreement we made and now they are telling me i have takin responsiblite for these charges. WHICH IS FRADULENT AND I KNOW AGAINST THE LAW this is why im reaching out to Consumer Financial Protection Bureau.

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 2021-01-04
Company: CarMax, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I the consumer, original creditor, and natural person has been abused by CARMAX AUTO FINANCE has been in attempt to collect on an alleged debt. Pursuant 15 USC 1692e ( 11 ) During initial communication CARMAX AUTO FINANCE did not disclose that it was an attempt to collect a debt. CARMAX AUTO FINANCE has violated Fair Debt Collection Practices act 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692cl ( l ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 2 ) ( a ) & 15 USC 1692j ( a ). Using deceptive forms 15 USC 1692j ( a ) in order to collect on debt from the original creditor 15 USC 1602 ( g ) during the consumer credit transaction 15 USC 1602 ( i ) their has been an unauthorized use of my credit card since I'm not benefiting from the consumer credit transaction 15 USC 1602 ( p ) which is a violation which leaves CARMAX AUTO FINANCE criminal liable for willful and knowing Truth In Lending Act. I the consumer, original creditor, and natural person never received these things pursuant 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

CARMAX AUTO FINANCE has not rebutted my affidavits of truth which stands as truth in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: Webcollex, LLC
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:
I'm a victim of identity theft I filed a police report and sent to all credit bureaus XXXX, XXXX, XXXX I dispute a creditor which had been taken off 2 years ago which show up in my XXXX  credit report this is fraud then recently it was put back I dispute and was not take off. CKS Prime Investments original XXXX XXXX XXXX  it shows Account # XXXX collection opened XX/XX/2018 contact information XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX I have no idea have never had anything to with this company I called them personally and no way to resolve anything with them I'm desperate or XXXX  please help resolve this matter. 

Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My son is XXXX years old and he lost his debit card. At that time he did n't have any money on his account, when he told me he lost his card i said there 's no money in it. my understanding debit card works when you have money in the account. When we open the student account with Chase, they said for student account we can not withdraw more than {$400.00}. After couple of days of losing the card we received a letter with the image of the fraud check my son 's name was spell wrong, signature was not my son signature, and the come from a company from New York and my son does n't have any connection to New York. IF IF my son did this check for deposit how come he CAN NOT write his own name correctly. Please check the deposit slip. This withdraw happened on XXXX for {$750.00}. And i was questioning the dispute department of Chase bank how come i have not received any alert from you guys since we signed for it, so the account drop to XXXX and also XXXX as returned check. After 2 days another withdraw fro ATM for {$1700.00}. Up to now the account has around -2500.00 and I have NOT received any kind in from and alert from bank. Meanwhile Chase freeze my account to have back up and they want to take the money from my account. I 'd like to compliant Chase bank since they did not follow the agreement, they did n't sent any alert, withdraw more than {$400.00} and denying my case after hours and hours on discussion the phone. we talked on the phone on speaker my son said these transaction are Not valid but they are saying he said IS valid when my son asked if I said, I want hear my voice but they said, '' sorry, we ca n't do that ''. I really do n't know what to do. Please Advise. Thanks so much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2022-10-10
Company: AUTOMOTIVE CREDIT CORPORATION
State: CO
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:
I have being trying to get a personal loan since XXXX... Loan is being denied because an auto loan i have i showing up 2x on my credit report ( XXXX ). I tried calling almost every day since and no one has helped in trying to get issue resolved .I have spoken to 4 managers and all they say is they will have someone work on it and escalate it higher up and same thing... XXXX will take up to 30 days to get issued resolved since i did try to dispute it Automotive Credit Corporation XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX ..One of the supervisor did tell me they had migrated to a different system and everything was transferred over,,, Seems one shows it last updated back in XXXX and the other had updated every month like it should and of course it is showing 2 different amounts,, I did sent proof on XXXX where my credit report is showing there account 2x and I only have 1 auto loan with them.

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 2016-04-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX of XXXX Ny offered a special 0 % financing offer to buy furniture through WellsFargo. After initiating the offer and signing the agreement Wellsfargo contacted me by mail informing the agreement signed is not valid after further review. Instead of the signed agreed upon 0 % they will charge me a 28.99 % finance charge. This is against the marketing and the agreement XXXX offered. I am unsure if XXXX was aware of this issue from the onset, the 0 % financing seemed to good to pass up and outside of XXXX normal financing agreements. I seriously doubt this is an isolated incident either. The scheme involved having to spend X amount to obtain the length of time of the agreement and the 0 % financing. Also instead of being a finance loan it is being pawned off or reported as a credit card, not line of credit. A fixed amount and payment will effect my credit report differently then a credit card. This account may substantially effect my debt to credit ratio impacting my credit worthiness. This whole situation is quickly becoming increasingly predatory. I have e-mailed both WellsFargo and XXXX about the issue.

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 2021-01-04
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/2021 I called to get my free annual Credit report and they are giving me all kinds of excuses and not helping with me solve my issue. 
Im experience hardship and Im trying to get a place to live. 
Was XXXX  for the pass 3 years And Im trying to get my life back to some what normal. 
Its incredible how they make things hard for a person to get their life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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: Account information incorrect

Complaint:
As of XX/XX/2022, TransUnion is reporting that I have an installment loan with XXXX XXXX XXXX XXXXThey have failed to show that I have signed an installment loan contract with them. This account does not show up on my XXXX report of XXXX. In addition, TransUnion has a Department of Education account that doesn't show on my XXXX report. TransUnion has failed to show a signed document with my signature about this account. They also have two incorrect addresses on file. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL 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