BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
we had a mortgage with Homecomings Financial back in XXXX and in XXXX we became delinquent on the Mortgage. First delinquency was XXXX XXXX. By XXXX we received threatening letters and by XXXX XXXX we got a Letter of Default from Homecomings. Throughout XXXX we were delinquent but because we were frightened by worked hard to pay what we could. In XXXX XXXX Homecomings Financial transferred to GMAC. GMAC took a final payment from us and applied it XXXX XXXX XXXX then reset the clock for our first delinquency as XXXX XXXX XXXX. After that they started foreclosure proceedings even though we were attempting loan modification and short sale. By XXXX XXXX they foreclosed. Ever since they have counted seven years from XXXX XXXX as if that is our first delinquency but it is NOT. We are now actually almost eight years past first delinquency which was XXXX XXXX. But GMAC went bankrupt in XXXX. The credit agencies will not respond to our multiple disputes ( more than XXXX ) and GMAC is not reachable. We can not buy a house or borrow money. The foreclosure remains on record and the credit reporting agencies continue to reject our requests to delete the account from our record now that seven years has past. Now they are saying it will go off record seven years after the last activity which is the last time GMAC forced money out of us. That can not possibly be legal. We need help. There is no way foreclosure can stay on your record for ten years just because GMAC is bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
There was a legal order that honored by Bank of America from a XXXX XXXX XXXX that was not a legal document that was signed by any court ( Federal court, State of Indiana- XXXX XXXX, Bank of America-State of Michigan , Bank of America Corporate - Florida ).  Thus far Bank of America has refunded back {$33.00}, {$91.00}, and {$270.00} out of the original XXXX that was requested. Bank of America is now indicating that they have not received an official notice from XXXX XXXX indicating to refund me back the last amount that was in question for XXXX. Originally I was told there was a tax issue with the Indiana Department of Revenue - no tax debt found by them. XXXX XXXX XXXX when called had no identifiable information regarding a debt owed to them. Bank of America Legal Department has only given me a document with my name and ssn on it. Bank of America originally stated this was based on my Indiana Drivers License. This number was never annotated on the document they provided. The documents can be resubmitted if needed for further investigation. There is no other organization listed. I would like my XXXX refunded back into my account for a fictions document that accepted and debit my 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 monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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 am disappointed to discover that Equifax did not amend my credit record or totally remove the fraudulent account. In my most recent correspondence with the credit bureaus, I demanded that they produce evidence supporting their assertions that the accountI am contesting actually belonged to me. Equifax still hadn't sent me any proper proof I find it aggravating that the credit bureaus have refused my requests, violated section 605b of the Fair Credit Reporting Act, and have continued to record the disputed account without the necessary justification. Let me remind the credit bureaus that they are required by FCRA section 605b to delete any items and information that were obtained as a consequence of identity theft and were listed on an ID THEFT REPORT. I'm inclined to file a lawsuit against the credit bureaus to compel them to update my credit report. I'm hoping that by filing this complaint with the CFPB, the credit bureaus would act right away and entirely delete the disputed account from my credit report. The account needs to be removed : XXXXXXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing , LLC requested proof of insurance in XXXX XXXX and it was Faxed to them. It was also verified that they received it. They made another request saying they did not have it in XXXX XXXX. It was again Faxed on the XXXX of XXXX XXXX and the confirmation faxed number is XXXX and XXXX at Ocwen Loan Servicing verified that they had received it. Then on XXXX XXXX, XXXX received another letter saying I needed to send proof. I then contacted the XXXX XXXX XXXX XXXX and they sent verification to Ocwen Loan Servicing on XXXX XXXX. Inspite of all these verifications Ocwen Loan Servicing put additional insurance on my condominium and charged me and additional {$180.00} dollars a month since XXXX XXXX. Their policy cost {$670.00} dollars which I have paid and they are still collecting {$180.00} dolllars monthy above the mortgage payment. I was advised by my attorney to contact you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Date of Fraudulent Activity : XX/XX/2019 Amount : {$6600.00} Locations : 1 - XXXX XXXX  XXXX XXXX XXXX Promo Purchase - XXXX, GA 2 - XXXX XXXX  XXXX XXXX XXXX Promo Purchase - XXXX, GA Actions Taken : 1.  Called the company informed them of the fraud. 
2. Created a report to FTC for Identity Theft 3. Submitted a request to the 3 Credit Bureaus alerting them of the fraudulent activity 4. Filed a police report 5. Reached out to a Lawyer for legal council 6. Sent XXXX a Notice for Furnishings ( no response ) - XX/XX/2019 6. Called XXXX to request the account number for the fraudulent account because the police say it's required to submit a subpoena for information used to create the account. 
However, XXXX would not provide me with this information so they can not subpoena for the information and I can not file lawsuit against the person that is using my identity to open fraudulent accounts. 
I'm stuck in a catch 22. XXXX will not give me the account number. The police can not subpoena information without it ( they have tried and it gets sent back stating the account number is needed ). 
-- -Special Note : XXXX did close the fraudulent account and reach out to the credit bureaus to have it removed from my report. However, I still have the inquiries on my credit. They stated it may take some time. -- -

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: VA
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 occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that 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 any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2020 XXXX XXXX IN Date of Inquiry XX/XX/2020 EMS/VETERANS UNITED HO Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 VETERANS UNI Date of Inquiry XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 immediately.

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 2021-03-23
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- INSTALLMENT LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$2100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Please look into my credit report because there are accounts that i have informed the bureaus that are tagged wrongly or are not updated even if i have informed them about this but they took no action so I am making this complaint.

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 2016-08-14
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After completing chapter XXXX bankruptcy, I have been getting harassment calls from Ocwen stating I owe XXXX XXXX plus dollars, which is incorrect. First it was stated I missed a payment in XXXX, then after many frustrating calls then it was stated I missed a payment in XXXX, which is incorrect. I have paid my XXXX mortgage payment in the amount of {$1700.00}, which they returned partial payment. They returned {$990.00} and stated they could not take partial payments. I then stated where is the {$750.00} that was sent to you guys on XXXX XXXX. XXXX along with the {$990.00} and it was stated they never got it. All my payments are through my bank with Bill pay from XXXX. Then it was stated they returned the {$750.00} and I stated I never received it. The {$990.00} they returned to me, I sent it right back through bill pay. As of Friday they stated they returned my payment back to my account on XXXX XXXX, XXXX, and as of today I have not receive any funds transferred to the account. At this point I am transferred to the escalation department, and stated by the representative someone would call me back in regards to my funds. Well no one did call back. Now my XXXX payment was sent on XXXX XXXX through bill pay like always. 
The part that has me stressed is the fact they are holding on to my funds stating they returned it, second they are telling me my mortgage is {$1700.00} a month which in fact is {$1700.00}, third how can you say I missed a payment when the books and the book keepers are not accurate when they ca n't even get the correct amount of the mortgage payment, and fourth, the last analysis on the account was in XXXX which states I have a sur plus of {$640.00} but I ca n't be told what happened to the funds because they do n't have a record of it and they do n't see this information in the system. As of XXXX, I have not received any analysis on my account. I thought this is done yearly? So here it is I am harassed about money Ocwen states I owe but yet they do n't apply the funds and then lie and say it is returned. {$750.00} + $ XXXX, so how do you keep {$750.00} and do n't account for it. The only best thing to this is bill pay has every transaction from credits to debits on the account and who the check was made out to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen is trying to force an escrow on us. This was closed last year and we thought it was over. Yesterday, XXXX XXXX, 2015 they paid my insurance with no authorization from anyone. In addition, they over paid the premium by almost {$1200.00}. In today 's mail I received information on an escrow and they want to add {$790.00} per month to our payment. We have never had an escrow and do n't want an escrow. And what they are charging is more then XXXX times the cost of our insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items 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 account or information which is found to be opened due to identity theft. The dispute item 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 this files. 

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. XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items 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 account or information which is found to be opened due to identity theft. The dispute item 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 this files. 

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. XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX, XXXX XXXX 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
Consumer complaint received 2020-03-11
Company: WELLS FARGO & COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
I got a temporary card from Wells Fargo and whitin a week someone made fraudulent charges for the amount of XXXX XXXX.Wells Fargo called me suspecting a fraud and I did not recognize the charges so they gave me a temporary refund.After 10 days they decided the charges were legitimate because I did not have a story with the card, it was new I never used an it was in my wallet.The only charges were the fraudulent ones I presume the card was compromised in the Bank before they gave it to me as they were able to access my account.change the PIN and the daily amount to withdraw. 
The Bank did not observe any of the measures of the security protocol before allowing the changes and the fraudulent charges. 
The Bank has not offered more information and the case manager is not answering my calls, nevertheless they escalated the case and I am still pending to get my money back.I am a senior citizen and want to be treated fairly. 
I am in panic that they will do it again and I have lost confidence in the Bank and its systems. 
Thanks for your guidance.My case # 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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that 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 any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2020 XXXX XXXX IN Date of Inquiry XX/XX/2020 EXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX  Date of Inquiry XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 immediately.

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 2020-03-11
Company: BMW Financial Services NA, LLC
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 BMW FINANCIAL SERVICES and notify them of their error posting of information on my report. I requested for Method of Verification but they 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: VA
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 occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that 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 any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX IN Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: LEXISNEXIS
State: GA
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:
Upon bureau investigation I was notified that Lexis Nexis is reported information that I did not authorize. I contacted the court who also stated that they do not provide this information to any credit reporting agencies. I am enclosing a letter from the courthouse.

Company response to consumer: Closed with explanation