BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020, a credit check was ran on my report for a refinance and I did not make a request. I called the manager and no response was provided nor a followup. 

I became unemployed in XX/XX/2020 due to covid. 

I requested assistance. No one called me. My loan was place in a forbearance on XX/XX/2020. 

I called to correct this, the agent XXXX white disregarded my request to fixed the dates. I was provided an incorrect email to make contact. 

In XX/XX/2020, I followed up with XXXX as she advised me someone was working on my request to fix the dates. 

In XX/XX/2020, I received a covid 19 grant from XXXX county in the amount of 5500 appx. 

I called to confirm the payment was received the payment was acknowledge by XXXX. 

In XX/XX/2020, I am review my payment history and it appears my payments are misapplied. 

I called to request clarification and I was advised my payments are up to date. I reviewed the payment history and it appears the payments are missing. 

Finally, I have not received a mailed correspondence since XX/XX/2020 the time frame when I raised the issue about XXXX XXXX 's customer service. 

I would like my records updated to remove the confusing and requesting my forbearance to start in XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to 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 this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's 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 2015-06-05
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After I become sick and put on long term XXXX due to XXXX, I had to apply for a mortgage loan modification with Ocwen. I started the loan modification with in XX/XX/XXXX. I did my XXXX months trial period. At the end of XXXX I called to see what to do next because I had not heard from them concerning if I was approved for Permanent Modification. I was told to continue to make payments which I did. I paid my XXXX payment on XX/XX/XXXX. I received my payment confirmation from Ocwen. I have been back and forth with The Office of the Consumer Ombudsman for Ocwen. I was told in XX/XX/XXXX by XXXX XXXX that there was still a PAYMENT ISSUE FOR THE MONTH OF XXXX which was during the time when Ocwen were switching over from the GMAC system to their new system and that my XXXX payment was not applied correctly to my account making it seem as though I am a payment behind. I keep receiving letters telling me that the issue will be resolved, XXXX it was by XXXX, then XXXX, then XXXX, they XXXX. Got several letters in XXXX saying the same thing. No one seems to be able to resolve this PAYMENT ISSUE and I can not figure out why. On XX/XX/XXXX, I talked with the The Office of the Consumer Ombudsman for Ocwen XXXX XXXX XXXX XXXX again. She said she had been working on the issue and have not been able to GET THEM resolve it. She asked me if I could send her proof of payment. I sent her an email on XXXX XXXX, showing her proof of payment from XX/XX/XXXX thru XX/XX/XXXX. I have not heard anything back from her. I have called her and left a voice message several times asking her to please return my calls so I can see what was going on. I was assigned different relationship managers to help me on my account also but they are not able to help. I have been getting the run around since XXXX. ALL I AM TOLD IS THEY ARE STILL WORKING TO RESOLVE THE PAYMENT ISSUE. My account is still saying past due and I am current. I have made my payments on time since the modification started in XX/XX/XXXX. Today, XX/XX/XXXX I called the Consumer Ombudsman office again and talked with a XXXX XXXX and she said it was not resolved and that she was going to look into it further herself. This is crazy! Ocwen continues to send me a late notices and letters on foreclosure. The representatives tells me to ignore them. This has been very unprofessional on Ocwen 's behave. I do not know what else to do. This is very stressful and unfair to me. It will soon be a year since I started this Modification. They told me that I was approved of the permanent modification only by word of mouth but not my an official letter. My statements are showing that I am under a Forebearance Plan until the issue is resolved. My account online shows that the loan was modified but I was told that until the issue was resolved I will not receive a written statement that I was officially approved for Permanent Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 Midland funding LLC added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research this account was transferred/Sold and I am no longer responsible for this account. Midland Funding LLC did not verify this collection. Also there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say its mines. According to FCRA Midland Funding LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE TRIED REACHED TO THIS ORGANIZATION BEFORE AND ALSO TO EXPERIAN, THERE IS A FRAUDULENT ACCOUNT ON MY EXPERIAN CREDIT REPORT. THE XXXX  XXXX ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE, I HAVE BEEN TRYING TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS OPENED WITH OUT MY CONSENT, WITHOUT MY KNOWLEDGE, IT IS NOT MINE. I HAVE SUBMITTED MY IDENTITY THEFT REPORT, I HAVE SUBMITTED A POLICE REPORT. THIS ACCOUNT IS NOT MINE.

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 2017-06-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bayview is woefully understaffed for the loans they are servicing. They never answer the phones and it takes and rarely respond to email requests. They have acted with gross negligence handling this short sale request and borrower is being unnecessarily forced into foreclosure due to Bayview negligenc e.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Afni ha s  XXXX  collection items.  XXXX   XXXX   XXXX  a  2012  chargeoff.  XXXX  public records showing on my report that are not on my  XXXX  report please remove them from   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: CA
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:
I disputed accounts with XXXX and they have not responded within the required time by the FCRA. I would like the items removed.

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 2021-04-21
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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:
It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX UNIT XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Balance : {$46000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: CO
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for a loan modification in XXXX. It was never processed. They restarted a foreclosure action in XXXX of that year and claimed they mailed a back-dated letter that I never received. I never had the ability to appeal nor was given any information about how I did not qualify. The servicer is currently barred from foreclosing, as of the XXXX, from the XXXX, and is proceeding anyway and nothing has been done to correct this error from XXXX nor from the same situation in late XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting this complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Here is the account of which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX I XXXX Date opened XX/XX/2022 Balance {$220.00}

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 non-monetary relief
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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:
It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX UNIT XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Balance : {$46000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2015-04-04
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX mortgage was modified in XXXX under the HAMP program. The terms were 2 % for 5 years ( 60 months ) changing to 3 % on month XXXX. That month was XX/XX/XXXX. Ocwen 's statement due for XX/XX/XXXX reflected the change to 3 %, but the P & I amounts were incorrect. They did get the interest portion correct, but the principle was miscalculated. The balance on the loan before the XX/XX/XXXX payment was {$300.00}. The Maturity dateis XXXX. So that leaves 299 months left at 3 % which yields a new Principle of {$680.00} and not the {$720.00} as written on XXXX 's statement. I spoke to XXXX at Ocwen ( her number is XXXX and at option XXXX enter ext # XXXX. When she called me back around XX/XX/XXXX she asked for copies of the modification agreement, which is not my responsibility to supply to them. They bought the servicing, they should have a completepackage. Further, if they correctly changed to the 3 % on the correct month ( XXXX month ) why do they need any documents, they simply just erred in calculating the correct principle. 
When I paid the mortgage on XX/XX/XXXX online, of course the website would not accept a smaller payment at all. So I paid the higher amount of {$1900.00} instead of the correct amount of {$1900.00} ( an additional burden of {$39.00} due to their mistake. Considering XXXX admitted to me that I was right, she claimed Ocwen could not change the terms without proper documentation. Well, How did they arrive at the correct 3 % amount ... its all stupid that a servicing company can not compute a simple change in a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
On XXXX I opened a complain on this site ( Complain # XXXX - report is attached ) because KIA was charging me late fees when I had applied and been approved in a monthly basis for referred payments until XXXX due to the COVID pandemic. By XX/XX/2020 Kia finally responded that they were waiving any late fee I was being charged and apologized for all the inconvenience.

Today I learned that KIA had reported to the Credit Bureau that my account was late for 30 days, impacting negatively to my credit history. 

I am very much mortified for all the inconvenience and headaches KIA Financial has put me through. I had a credit score was outstanding and now it has decreased significantly decreased because of this situation. 

Kia had taken almost TWO months to take care of the prior related issue and it was not even do it right. They have handle this situation very poorly. 

Now I have to waste time, resources again, to have this issue fix. This is not ok. 

I am enclosing the report that was filed and recently closed related to this current 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 2022-03-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card number was hacked where I bank at Wells Fargo. Upon receiving a text message from their fraud detection system on a {$1000.00} charge, I immediately responded no, and called the wells fargo fraud department. By the time they cancelled my card, another transaction was charged of {$4000.00}. Upon trying to go through the fraud claims process, Wells Fargo has stated, without providing documentation stating so, that there appears to be no fraud on the account, and they denied my claim for the total of {$5000.00} that was taken from my account. The charges were used to purchase XXXX from XXXX, and since it's a XXXX XXXX XXXX, I can not receive my money back from 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 2016-03-29
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home is in foreclosure with a law day set and I received an email from loan servicer stating that I have been approved for a loan modification. This email is dated XXXX/XXXX/16 and their deadline for returning the application is XXXX/XXXX/2016. I am not in receipt of the documents which the loan servicer said would be sent U.S. mail!!!! I believe I am a victim of " dual tracking ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: TN
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:
I sent a dispute out to all three main credit bureaus and ask for validation of the debt of an account. They all came back as verified. I then contacted the Bankruptcy court and they informed me that they did and do not verify debt with bureaus. I am requesting that they send me the Method of verification of this debt. 

I am writing to request the method of verification for the dispute initiated between 30-60 days ago.

Chapter XXXX Bankruptcy Case Number : XXXX Please send the following information used to verify the validity of CHAPTER XXXX BANKRUPTCY Case Number : XXXX 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The  documentation used to verify the dispute I personally have an attached letter from the court stating that the did not verify the dept to Credit Bureaus. 

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation