BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-22
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
XXXX XXXX NO CONTRACT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-31
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing has not paid our Home Insurance that was due XXXX XXXX, 2015. They collect for and escrow the money for it in our monthly payment it. My insurance Co called and said they would cancel the policy if not paid in XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen continues to refuse to conduct a fair and impartial review of my mortgage history as far as its own handling and with prior servicer Litton. The loan has been reported by them to have been charged off at least 3 different times. In XXXX, XXXX XXXX, XXXX and XXXX XXXX. A Charge-off allows a creditor to take a tax deduction for bad debts under Section 166 of the IRS code. Obviously, it is a violation of Federal Reserve rules and other banking rules, to declare more than one charge-off on the same loan and concomitant write-off as uncollectible. More recently in XXXX, it has notified XXXX and XXXX of yet another charge-off in XXXX and XXXX XXXX. Ocwen 's XXXX XXXX, XXXX notice to me disingenuously attributes its action to a request on my part. I never requested such charge-off but did challenge their refusal to recognize they are time-barred from reporting the loan to credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Have been trying to get Ocwen Loan Servicing to close a paid off HELOC XXXX paid off XX/XX/XXXX ) and forward to title company so that sale of property can be completed since the XXXX of XX/XX/XXXX. ( XXXX days ago ) Closing was to be on XX/XX/XXXX at XXXX, XXXX XXXX XXXX, XXXX, IN XXXX. XXXX, XXXX. I am the executor for the estate of XXXX XXXX XXXX XXXX deceased ) who was the mortgagee of this HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: TX
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Experian Information Solutions Inc.
State: PA
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:
Some one used my personal information obtain credit from, XXXX XXXX  XXXX XXXX  XXXX XXXX, obtained by someone who stolen my identity, Fraud account

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 2016-12-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX *********** DOB XX/XX/XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX A XXXX ACC # MEDICAL ACC # XXXX XXXX *********** DOB XX/XX/XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have not owe a home sent XX/XX/XXXX. XXXX County Kansas District Court, Case # XXXX, alleged that I owe {$4800.00} for KANSAS DEPT OF REVENUE. For a tax periods XX/XX/XXXX-XX/XX/XXXX. This was file on XX/XX/XXXX.The Status is TERMINATED .The Kansas Dept of Revenue file this case ( XXXX ) on XXXX/XXXX/XXXX on TAX they say were owe for XX/XX/XXXX. This case was file five years after the tax was due. THIS CASE WAS RE-AGES.I have upload a copy of the case documents ( XXXX ) from XXXX. 
PUBLIC RECORD. EQUIFAX CREDIT REPORT DOES NOT SHOW THE TAX PERIODS XXXX. THE DATE OF 1 ST MAJOR DELINQUENCY IS SHOW XX/XX/XXXX.THIS IS INCOMPLETE AND INACCURATE INFORMATION AND RE-AGES PUBLIC RECORD. 
I DID NOT OWE A HOUSE IN XX/XX/XXXX TO HAVE A TAX WARRANT FOR XX/XX/XXXX. MY CREDIT REPORT SHOW THAT I LIVE IN XXXX XXXX YEAR. AND I DID NOT LIVE IN XXXX COUNTRY. I LIVE IN XXXX COUNTRY IN XX/XX/XXXX. CREDIT SHOW THAT.THIS CASE HAS BEEN ON MY CREDIT REPORT FOR 16 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Healthcare Financial Services, LLC
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted Health Care Financial Services in XXXX regarding an account that did not belong to me. I was told if I paid {$500.00} they would remove the account from my Equifax. I felt like i was being bullied by the agent so she could collect salary and the agency so could make money. The representative was very rude and aggressive. 
I have never received any services at the XXXX Medical Center in XXXX, Mississippi. The hospital has no record of any treatment under my name or social security number. I spoke with XXXX XXXX XXXX and she suggested that I filed a complaint against the agency and file a dispute. The alleged patient had a date of birth of 1966 and i was not even born in 1966. 
I feel that is unfair for these agents to wrongfully collect monies against innocent people who do not know their rights. 
The address was not my address either. 
After I did not pay this ladies salary when she gave me a deadline later they started reporting negative information that affected my credit score. My score dropped by XXXX points on XXXX occasions due to these bully 's. Later they added it to another reporting agency. 
As i started to fight them back I noticed that they started passing my information on to other collection agencies to report negative items as well. 
Consumers should not be bullied or spoken to in very aggressive and nasty ways by such agency representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Exeter Finance Corp.
State: CA
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:
Hello. This is a report for exceter finance. I reached out the week of the nationwide lock down. To the finance company stating if they had any Covid 19 payment plan or what they can offer for customers during the pandemic. The representative i spoke to stated they had nothing. They didnt offer to push back the payment. They didnt offer payment arrangements. Reached out again in XXXX, same issue same statement. No assistance to the customers. I reached out in XXXX due to researching most car financial companies are reporting late payments caused by a natural disaster. I spoke to a representative and they stated i was eligible for a push back in 2 payments. The last representative failed to notify customers. I filed a dispute with credit bearu due to the companies inaccuracies and the credit reporting stating i was late and fail to notify customers what they could do during the pandemic. Many companies didnt report to the credit bearu and the two late payments i have are now affecting me and others from what i discovered this company did this to many of there customers. The only late payments i have are from the pandemic and they declined to remove them. The presentative stated it was the last two people i spoke to failed to assist and now my credit is on the line

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX 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 2015-10-02
Company: Ocwen Financial Corporation
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I purchased a home through online auction XXXX AND the seller, U.S. BANK NATIONAL ASSOCIATION, recommended their preferred partner for closing, XXXX/ XXXX with the incentive that I would save on fees. The entire deal was conducted by email and pdf documents.I wired the money and even had a lawyer representing me. I closed on XXXX XXXX, 2015. To date I have not received a deed or title, and I have contacted the city and county agencies, and this property has not been transferred in my name. The water dept has shut off the water to my house because there is a {$11000.00} bill owed by U.S. BANK NATIONAL ASSOCIATION. This and other items were covered in the closing document but they never funded the transactions with their local vendors. They swindled me in the amount of {$34000.00}. We wired this money to a XXXX account indicated in the instructions. All three of these entities are working in conjunction to fraudulently advertise, sale, and close properties they do not intend to release to purchasers like me. Even my lawyer has contacted the parties and no results have occurred in the last 15 days that we have complained that the water is off. I am living in a house with no water, no title, no deed. Nothing to indicate I purchased or own this house except emails between XXXX and XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Green & Sons Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This account was closed by me in 2009 and XXXX charged me fees after closure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: TN
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:
In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX. Account number : XXXX XXXX XXXX XXXX  Account number : XXXX // XXXX XXXX Account XXXX XXXX Billing Account number : XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 




In accordance with Fair Credit Reporting Act, Original creditor : 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. XXXX XXXX XXXX. Account number : XXXX Needs to be updated late needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I bank with M & T and I told them several times that if my checking account does not have enough funds in it to pay for items or services, not to pay the bill or allow bill collectors to debit my card. I want to opt out for the bank to cover fees not in my bank.I signed a form for this at-lease three years ago. 

On XXXX/XXXX/2016 XXXX EFax services ( XXXX ) XXXX debit my card before my trial period is up without my authorization for XXXX and on XXXX/XXXX/2016 XXXX XXXX XXXX did the same thing in the amount of {$28.00}. I owe the companies money, but they debit my bank card. I normally pay for my services and items on line. 
My complaint is I do not want M & T bank to pay for items or services when the fee is not available. I want to stop creditors from billing my card without my permission. I spoke to the bank on several occasions about this and even signed a form. I want card protection to authorize withdrawal upon my approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-30
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is Hunter Warfield , Inc located at XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The amount were XXXX usd by XXXX  on Monday XX/XX/2022 Chase bank did not offer anything to help as they state the only I can do is contact the scammer to refund the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: EQUIFAX, INC.
State: IA
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:
Each XXXX for the last XXXX years I have tried to get my Credit Report from Equifax and I always get to the same result. Online Delivery Unavailable is the response I always get and it says that I have to get it by mail. I go through the same procedure and have excellent and easy online results from XXXX and XXXX  but Equifax will not get me my report online. Why is this? I found online that others have had the same result. 
What is going on? What should I do? I don't like sending sensitive information in the mail to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
State: CT
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 already reached out to Experian, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX and notify them of their error posting of information on my report. I requested for Method of Verification that mailed last XX/XX/2020 but have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I received a letter from an attorney office regarding my XXXX account that they are handling my account and that it 's no longer with XXXX and it had the balance owed etc. with to all XXXX XXXX to remove the XXXX account. Equifax never removed the account they never notified me of the results or anything. They actually add a new account to my credit report causing my score to drop even though I provided proof the account with XXXX was no longer their account and has to be removed from my credit. They are the only cb who does n't truly validate debt. I have another account XXXX XXXX who never validated the debt and has been removed by XXXX and XXXX but Equifax again updated the info and said it was verified. I never got the method of verification who they spoke to or what was verified. I reached out to XXXX XXXX and they still have n't validated the debt. I know the cb make money by keeping bad information on our credit reports but it 's ridiculous when you send proof and they still refuse to make the proper updates and corrections I will provide all proof of what I submitted and what they have done. It 's time they be held responsible for failing to properly handle my credit report and validate information. By law they are required to investigate and not just sat verified and by law they are required to give info received and I still have not gotten anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This letter is in regards to XXXX accounts that were recently removed from my credit report. This is the XXXX time I am sending out this request. Unfortunately, XXXX of them were disputed in error and must be re-inserted. XXXX were removed on Equifax 's end in error, as only the comments were unverified. Please re-add the following accounts back to my credit report and send me confirmation of this. I continue to receive no reply in regards to this and they refuse to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Enhanced Recovery Corp h as Re-aged original  XXXX  debt that is noti  e to  begin with.  XXXX  resold account after failure to verify account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: AMERISAVE MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Amerisave.com cheated me into signing up with them for low interest rate, I was asked to pay for Apprisal. But when the apprisal came it came at XXXX, when XXXX was showing at XXXX and I myself spent over XXXX over completing garden level basement. I felt the guys wantingly tweeked to offer me a loan and then get apprisal. It looks like they do this constantly for all customers. XXXXXXXXXXXX is the person and they knew for sure they were not going to offer the loan but pushed me to accepting the agreement using low interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
CBNA made a hard inquiry on my credit without asking me. I already have a citi bank card and have had it for a year, why are they pulling a hard inquiry and lowering my credit score by XXXX points???

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