BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-03
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX of XXXX your agency completed an investigation and entered into a Consent Judgment with Ocwen Financial Corporation and Ocwen Loan Servicing , LLC for unlawful conduct related to loan servicing and foreclosure processing.The purpose of this communication is to alert you to the fact that Ocwen has, to the best of my knowledge and belief, violated that agreement pertaining to one of the most significant restrictions in that agreement, i.e. : submitting forged documents in a judicial foreclosure proceeding. 

The history of our case is lengthy and not necessary to detail at this time other than there have been three attempts to foreclose on our home since XXXX and all have failed due to submission or public recording of a plethora of fraudulent and/or forged documents. 

The most recent attempt to foreclose was filed on XXXX XXXX, XXXX which contained exhibits and documents supplied by Ocwen as the loan servicer. Among the exhibits was an XXXX to the Note which had not previously appeared in the preceding foreclosure filed in XXXX nor did it surface in a Chapter XXXX bankruptcy filed previous to the XXXX foreclosure action. 

Despite Ocwen 's assurance to your agency ( as well as all of the Attorneys General listed in the Consent Judgment ) that they would refrain from using fraudulent or forged documents in foreclosure proceedings, Ocwen included this ( undated ) Allonge to the Note in this third foreclosure filing even though there should have been historical records available to them to verify the validity of the initials of XXXX XXXX Option One, on this very important document. My own diligent research uncovered what I believed to be XXXX XXXX actual initials and handwriting derived from her very own mortgage documents. I hired a handwriting expert to compare the initials on the XXXX to actual mortgage documents of XXXX XXXX and the conclusion was that it was not the same individual. Once I supplied this information to my attorney and he in turn supplied it to counsel for the Plaintiff ( XXXX XXXX ) just prior to trial, Plaintiff mysteriously and suddenly withdrew their complaint and counsel for Plaintiff also quickly withdrew their representation of Plaintiff. 

In addition to recording a forged/fraudulent document in a court proceeding, Ocwen continues to harass us by mail in attempt to collect a debt that was categorized in default at the time they ( or their predecessors ) obtained the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX University XXXX XXXX has false reported to Equifax a {$5200.00} balance on my credit report when the Federal Government US Dept of Education discharged and paid all my student loans. I have disputed this account for 5 months with documentation and they still have not deleted the fraudulent info from my consumer agencies. I have never had a loan with them the Government controls all student loans and the University XXXX XXXX denies the fact that my account was left at a XXXX balance when I withdrew from them because of their grievious financial practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: GOLDMAN SACHS BANK USA
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
I requested an audit on my account, and I did not receive the results in the time promised of 10 days. I reviewed my account history and performed an audit myself, and I discovered I had been overcharged for interest and charges that I did not make. I called the company, and the customer service is poor, and there is a huge communication gap, which is the problem. I opened previous complaints, and the matter has not been resolved. I tried to close my account, and they still want to bill me. 

As I conducted my audit, I had a debit balance of {$510.00} for the year ended XXXX ; a credit balance of {$570.00} for the year ended XXXX, and a debit balance of {$380.00} as of XX/XX/XXXX. I have an installment balance of {$590.00} as of XX/XX/XXXX ; the card balance and installment balance total {$920.00} of XX/XX/XXXX. I made a payment of {$900.00} on XX/XX/XXXX. Therefore my balance is {$19.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX Number Num : Balance {$220.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been making payments on my student loans for over 3 years. My balance has stayed the same and at one point increased from the original amount. At one point I had the loan paid down by {$1000.00} and Navient sent me a letter saying that I no longer qualified for some credits that I was receiving and added back almost {$1000.00} to my loan, putting me right back to where I was after paying on time every month for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: MI
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:
Account shows it was opened on XXXX XXXX its showing as a charge off and its not the company agreed to remove off of my credit report due to fraud XX/XX/2021 and its still on my credit report!

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 2016-05-18
Company: Blitt and Gaines, P.C.
State: IL
Product: Credit card
Issue: Other

Complaint:
I received a credit card in XXXX it went to collections. In XXXX XXXX filed a small claims for XXXX but i never received notification to go to court. In XXXX they filed a nonwithholding wage deduction my employer. My employer sent it back and said i dont make enough to garnish. Now in XXXX they are sending garnishments to my work. No phone calls at home or letters just wage garnishments to my job. I called to settle for half but they will not budge on the amount and i need to pay XXXX. They are stating interest grows on this every month per the state of illinois. Is there a statue of limitation of this old debt. They told me to borrow money to pay off my debt.. ( I heard if you start paying on old bills that it will reopen and they can open case up and collect money. ) If i go into payment plan they want all my personnel information. How do i Know this is a legit company trying to collect debt after 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX is in fact NOT complying with the FCRA. And the FTC just looks the other way. 
It is OBVIOUS that XXXX does not want to give you a free credit report. The web barriers are very difficult to surmount, so most people give up and pay money, as XXXX wants. They say I have already received a free report within a year, so I am not eligible. But I did not. They ask very picky and detailed questions, which are unnecessary and often impossible to answer. They say " unable to complete your request '' with no reason. Their XXXX character recognition system rejects most anything you enter. They reject you for any of the above and you have to start over or worse they say you are disqualified. They say you have to apply by mail. I got their form and filled it out and sent it back. They never replied. 

So in desperation I paid them for a report. Then I found in the fine print on the very last web option, that now I was a " member '' and they would charge me {$25.00} additional every month. I never signed up for that and it is a complete ripoff. I had to call them to complain, and then they offered me half price to remain a member if I agreed to stay on for 5 years. THIS IS ALL A COMPLETE SCAM!!! 

The best evidence I can give you is just try it yourself. Any reasonable person would conclude as I have that their web pages do NOT constitute de facto compliance with the FCRA. They are deliberately designed to just male money for themselves, and not serve the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am now opening a formal complaint and reporting this file to Making Home Affordable.gov as well as the consumer finance protection bureau and the federal Trade commission. 

I would like to start by saying that we had submitted this transaction to Ocwen Loan Servicing with an offer of {$110000.00} Ocwen Required us to move the file to XXXX and list this on XXXX where another buyer won the auction at ( meeting he reserve bid ) and even bidding higher to {$110000.00} plus the required {$5200.00} plus {$290.00} both fees paid to XXXX. 

The file moved back to Ocwen, the file was then submitted to the investor and was rejected ( not for the HAFA fee of {$12000.00} being offered to the XXXX lien ) but because the purchase price was too low according to the investor. Ocwens solutions was to submit the file back to XXXX to have the property put back on the auction site and try to obtain a higher offer. 

I filed a complaint and the file moved to XXXX XXXX in escalations, and was told the file is no longer with ALtisource. I asked XXXX about the coutner/ value/ buyers premium etc. He decided to only answer emails he felt comfortable answering and stuck to countering me. 

He then asked me for a payoff for the XXXX which I obtained. He then countered me that the max to the XXXX in HAFA would be 8 % UPPB. He did n't want to provide the guidelines to me that stated it was 8 % nor did he want to explain why the XXXX 2016 HAFA policy says the agreegate cap can not be less than $ XXXX instead he wanted to speak with me via the telephone where he could speak over me and continue to argue with me that I was reading the policy wrong. 

I will be bring this up with those regulatory agencies so they can elaborate on their policy for Ocwen. 

I hope the Trade commission decided to investigate this Ocwen/ XXXX relationship. And I would like an explanation how this is acceptable customer service. Now we have been at this for months and months. I escalate a matter and get totally unprofessional service from your escalations representative. Please see below and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Problem : OCWEN has not recorded my loan modification agreement which I signed on XXXX/XXXX/2015. 

XXXX Description of what happened XXXX I have been working on loan modification with OCWEN since the beginning of this year. Finally I was able to get loan modification agreement in XX/XX/XXXX, and signed & notarized on XXXX/XXXX/2015. It was received & signed by OCWEN 's Authorized Officer on XXXX/XXXX/2015. 

It 's been more than 3 months and OCWEN Legal Department tells me that it takes 3-4 months to record the document in California, so I have not received a copy of signed & recorded loan modification agreement. 

I live in California, and I do n't think it takes 3-4 months to record real estate loan agreement in California. 

In the meantime, I have already been making the following loan payments as per the new loan modification agreement : Trial payment on XXXX/XXXX/2015, Monthly payments on XXXX/XXXX/2015 & XXXX/XXXX/2015. 

Please help to expedite this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: NY
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 am unable to get my Experian and XXXX credit reports via XXXX. The website does not provide a reason for this but instead suggests I contact both bureaus. A postal address is provided for Experian. No contact information is supplied for XXXX. 

I have tried and failed to speak with someone at both Experian and XXXX. On several occasions I was waiting to speak to someone for over an hour. 

Note that I can access my XXXX credit report via XXXX. It is not clear to me why it works for XXXX but not the other 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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/XXXX XXXX XXXX hard inquiry XX/XX/XXXX XXXX XXXX XXXX hard XX/XX/XXXX XXXX XXXX XXXX XXXX collections paid and closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiry XXXX XXXX XX/XX/XXXX Hard inquiry XXXX XX/XX/XXXX Hard inquiry XXXX XX/XX/XXXX Hard Inquiry XXXX XXXX XX/XX/XXXX Hard inquiry, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Spoke with the companies and the bureau and they could not find any information. Also the bureau advise me to fill out form reporting fraudulent activity. I did not not authorize any of these companies to my credit report, Im unaware of my information being use when I have had a lock on my accounts including fraud alerts

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 2017-03-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I XXXX, am filing a complaint because Equifax has ignored my request to provided some kind of documents that their company has on file that was used to verify the Public Record I disputed. Being that they have gone past the 30 day mark and can not verify the Public Record, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is frustrating the purpose of the XXXX XXXX Initiative and violating publicpolicy because they are refusing to remove a Withdrawn XXXX tax lien from my creditreport. 
Under the XXXX XXXX Initiative, XXXX if consumers pay their liens in full and the XXXXgrants a consumer a " Withdrawal of Filed Notice of Federal Tax Lien After Release '', CreditReporting Agencies are expected to delete the lien from consumer credit reports to provideconsumers with a fresh start. The new public policy was confirmed by all XXXX credit reportingagencies and their trade organization, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to XXXX XXXX, Vice President of Public Affairs for the XXXX, " I'veconfirmed that all three credit reporting agencies remove withdrawn XXXX tax XXXX. '' XXXX XXXX XXXX, XX/XX/2013, I obtained a Withdrawal of Filed Notice of Federal Tax Lien AfterRelease, and submitted the notice to XXXX, XXXX XXXX, and Equifax. See Exhibit A. XXXX and XXXX immediately deleted the federal tax lien from my credit reports. SeeExhibit B. Equifax however ignored the notice, refused to delete the lien, and determined thatthe lien would be reported as released and remain in my credit file for up to XXXX years. SeeExhibit C. 
In sum, Equifax is violating public policy and frustrating the purpose of the XXXX XXXX Initiative by refusing to delete the withdrawn XXXX tax lien from my credit report. Thankyou for taking this matter under consideration. Please let me know if you need additionaldocumentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Today XXXX/XXXX/XXXX Equifax changed XXXX XXXX from status in bankruptcy to open collection unpaid with amount due. I called XXXX XXXX twice today. I called Equifax once today. XXXX XXXX assures me in their system it says in bankruptcy and says Equifax did this. Equifax says they did not. Someone did and it is not me. The balance should be XXXX like all my other creditors that were on my credit whom are now gone. XXXX is the only one whom does n't have to follow the laws? How can you drop a score for an item that was already on there because either Equifax or XXXX wants to play games with me? Equifax tried to tell me on the phone this was not part of bankruptcy. Yes it is. Attached you will find the mailing of the bankruptcy court showing XXXX on the list. Look at this case. Even though mine is Chapter XXXX the Stay still applies! 
XXXX XXXX Vs XXXX XXXX XXXX XXXX District NC ( my district ). 
" Finding that reporting delinquencies during the pendency of bankruptcy is not misleading so long as the creditor reports that the account was discharged through bankruptcy and the outstanding balance is XXXX '' XXXX v. XXXX XXXX. XXXX, XXXX, Case No. XXXX XXXX XXXX XXXX. XX/XX/XXXX ) the status quo between the parties was frozen by operation of the automatic stay. Id. ( citing XXXX v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ). 
All other creditors followed the law. The status should be in bankruptcy as it was and amount XXXX. This change from out of bankruptcy to collection dropped my score XXXX points and it needs to be corrected. 
Please find attached the bankruptcy mailing showing XXXX XXXX has notice of this bankruptcy. I am really tired of Equifax playing with my credit score when it is clear it is not my fault.Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: HYUNDAI CAPITAL AMERICA
State: DE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I leased a Kia XXXX which the Lease Expired, in XXXX of this year. Because of COV-19 Delaware begin its state of emergency in early XXXX with stay at home orders. At the request of the dealer I turned my car in the end of XXXX. Two weeks later I logged into my Kia Motors Finance account to see my end of year lease report which showed {$0.00} due. I was under miles, no damage, etc. 

3 weeks ago which WAS 4 months after I turned in the lease I get a bill for {$9300.00}. 

Excess MIleage Charge {$8300.00} Turn In Fee {$400.00} Unpaid Lease Payment {$450.00} XXXX XXXX and Taxes {$180.00} The bill shocked me since 4 months had past and when I logged into my account previously it said {$0.00} due. What also shocked me was the Excess Mileage car because my car only had @ XXXX miles on it when I turned it in which was not even past the XXXX i was allowed each YEAR. 

I called to dispute. I learned that the dealer added another XXXX on the mileage so it looked like I had XXXX. That was quickly corrected. I was then told I still owed a payment for XXXX. I explained I'm not paying fo a payment for a car I didn't have which I turned in early because Emergency stay at home orders. I asked for a letter explaining why, and they told me to talk to the Dealer. I explained I'm not working with the dealer as I was told everything would be fine, and I am disputing the remaining balance. They are refusing to even attempt to show compassion during this COV19. If this is no resolved through this channel the next step will be a complaint with my state Attorney General 's Office.

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