BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: NM
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:
Experian, XXXX  and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit report that don't belong to me.

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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I don't recognize XXXX  so can this inquiry be deleted. Im trying to buy a house

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 2020-08-11
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company keeps intentionally reporting inaccurate information on my credit report. They keep changing the amounts and dates of the account. They have also manipulated the payment history. The company refuses to validate the debt which is violation of the FDCPA AND THE FCRA due to inaccurate information. They will not comply with the federal laws of the UNITED STATES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I got a loan with Greensky and I already made one complaint and I got the results back yesterday I was not satisfied This company green Sky. my information was taking by general contractor thats the merchandise. Green sky is required to prevent future illegal practice by verifying consumers and identifying and confirming the authorization prior to activate loans. I signed the contract with the general contractor where does it say? Green Sky is involved it does not say anything about that in the first place green Sky its supposed to be verifying me not the contractor does not have a license for being a loan officer I got ripped off I got the wrong information I did talk to Greensky after. This is not supposed to happen to seniors

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company keeps intentionally reporting inaccurate information on my credit report. They keep changing the amounts and dates of the account. They have also manipulated the payment history. The company refuses to validate the debt which is violation of the FDCPA AND THE FCRA due to inaccurate information. They will not comply with the federal laws of the UNITED STATES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Collector contacted me during inappropriate business hours. I was contacted at XXXX XXXX which is a violation of my rights under the FDCPA Practices Act. When the collector was advised of the call time, he stated that because it was XXXX XXXX in his state, that he in fact had a right to contact me in California at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my formal complaint to TRANSUNION for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XX/XX/2022 but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: TX
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: LD Holdings Group, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a home mortgage with Loan Depot. ( Account # XXXX ). During XXXX they offered " loan modification '' which allowed me not to pay my 3.3 % mortgage for the 2 years XXXX impacted my income. I entered into an agreement with them by which I pay my mortgage monthly and the 2 years of unpaid mortgage gets tacked on to the back end of my loan. I have not missed a payment but out of nowhere I got a call informing me that I am no longer in loan modification and they want me to pay all of the set aside mortgage payments money now with the threat of foreclosure if I do not pay. This is the second time they have tried to kick me out of loan modification and threatened me with foreclosure. The first time was because I didn't get a signature back to them by the deadline. I protested this because the papers they sent me didn't have a deadline plus I had asked a Loan Depot rep if there was a deadline for the papers to be returned and I was told " no. '' Based on this ( I guess ) I was allowed back into the loan modification program. ( Letter dated XX/XX/2022 ). I was sent a new XXXX page contract saying so and what to do to get into permanent loan modification ( pay the mortgage on time ). In that contract they state over and over that to enter into a contract with them all I have to do is make a mortgage payment by the due dates outlined. The first date was XX/XX/XXXX. I paid it XXXX weeks early and that payment shows up in my account. But, out of nowhere I received a phone call and then a letter informing me that I am not in the trial loan modification program. ( XX/XX/2022 ). Nothing has changed since they reaccepted me into the program again. In the letter they write that I failed a XXXX XXXX. I don't know what that means or if it refers to the aforementioned signature issue which I thought had been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: MoneyLion Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company keeps intentionally reporting inaccurate information on my credit report. They keep changing the amounts and dates of the account. They have also manipulated the payment history. The company refuses to validate the debt which is violation of the FDCPA AND THE FCRA due to inaccurate information. They will not comply with the federal laws of the UNITED STATES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: NEW YORK COMMUNITY BANCORP INC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I apply for the morgage assistent programs in XX/XX/2022 but my application is still in revew and Idont have any answer yet, also I apply for loan modification trow my bank flags star bank but they said they never receive the papper work I supose returd I tried to make partial payment but dou my estatus forclosure they only accept full payment and right now I am not in position to make the full payment of 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 the fair credit Reportingact. the list of accounts below has violated my federally protected cunsumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 u.s.c 1681 section 602 A. states i have right to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 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 inaccurat.

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 2020-01-29
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice from PHH Mortgage Escrow Services who took over my mortgage loan from XXXX services in XXXX of XXXX. I received a notice from PHH, dated XX/XX/XXXX, that claimed I owed PHH {$170.00}, for an escrow shortage. However, the notice did not reach my mailbox until XX/XX/XXXX. I contacted PHH immediately and informed the representative that, XXXX, the previous mortgage company had already re-accessed my escrow and charged me {$75.00}, in XXXX of XXXX. PHH representative, on my initial call, in XX/XX/XXXX told me she could see in their records what I was telling her, and that she would send a notice to escrow for a " correction. '' I have called PHH several times ( 4+ )  and each time I'm given a different date for an answer. the last date I was given was XX/XX/XXXX. I checked on line, called PHH, and keep a close eye on my mail with USPS, but still no answer! I called PHH today on XX/XX/XXXX, the representative told me Escrow just put in a note on XX/XX/XXXX, stating they do not have my Escrow information from my previous servicing company ( XXXX ). To date, I have paid escrow shortages to XXXX and to PHH totaling over {$250.00}. If PHH has taken over my loan from XXXX, it is their responsibility to make sure they have all the documents needed in order to collect money from me! since PHH took over my mortgage services, I am now paying an additional {$30.00} per month in excess of the initial increase from my previous mortgage servicing company. My monthly mortgage has increased in less than one year to nearly {$60.00} per month between the two errors!!! I am on a fixed income, and can not afford this increase in my mortgage payment from PHH!!! I attempted contacting XXXX  for PHH, and was put on hold today for over an hour and then cut off!! I have been trying to rectify this situation with PHH mortgage servicing since they sent me the notice of an escrow shortage in XXXX of XXXX. I have NEVER received anything in writing from PHH, no courtesy call, nor am I able to access ANY of their escrow information on their website. Yes, there is a balance they show in my escrow account, and the amount they paid to my first installment for property taxes, but when I make a payment specifically to PHH mortgage escrow, I expect to see evidence of that immediately on line or somewhere in a statement!!! I have paid PHH {$170.00}, for a so called escrow shortage and have not received any answer for this error!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the subprime mortgage crisis, my mortgage was packaged and sold to JPMorgan Chase. When the federal government forced banks to offer borrowers the opportunity to refinance their variable-interest loans to fixed-rate loans, I submitted my application and supporting documents three times. Each time, Chase 's processing center denied receiving my package. 

When I sent the package using XXXX  with a signature and delivery confirmation, I was told that for security reasons, the processing center does not directly accept packages. When I told them that a representative of theirs had signed the application and documents, I was told that it was not an employee of the bank, but a contractor hired to collect mail from the address provided. 

The entire process was a sham. In the end, Chase never acknowledged receiving my application and supporting documents. 

Adding insult to injury, a member of my staff who also had a Chase Bank mortgage was sent a letter informing her and her husband that they qualified for a reduced fixed rate due to their on-time payment record over the past three years. I found this to be both suspicious and insulting because my wife and I had paid our mortgage on time for over six years, never missing a payment, and with an XXXX credit score.

Looking back on the entire experience, I now know that my wife and I were victims of predatory lending. We should never have been pursued to take a variable-rate mortgage when we both earned over {$180000.00} as a couple and I was eligible for a VA loan XXXX a XXXX XXXX and our home mortgage was under {$210000.00}, when at the time we qualified for a XXXX mortgage. 

The entire variable-rate mortgage debacle was aimed at XXXX XXXX  and other XXXX XXXX XXXX. The dramatic XXXX bias of subprime lending has been proven over and over again. However, I feel that the federal bodies governing these entities did very little to address the concern and are doing less not to prevent them from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
the XXXX credit bureaus ( Transunion, XXXX, XXXX ) are violating my rights to privacy by reporting on my personal credit, and bankruptcies without my consent. 
Laws violated ; 15 U.S.C. 1681 # 5 15 U.S.C. 1681 XXXX XXXX XXXX CASES AND NUMBERS  ; Case # XXXX XXXX  XXXX XX/XX/XXXX Case # XXXX XXXX  XXXX XX/XX/XXXX Case # XXXX XXXX  XXXX XX/XX/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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score is down 46 points despite having an excellent history of timely payments and excellent use of credit at my XXXX XXXX XXXX. I called my bank to get clarification on the matter, they were unable to help me because as I mentioned I have an excellent credit history so they gave me the Transunion phone number which is XXXX. I called them and spoke to a representative who said that from their records, I never used credit, so they lowered my credit score. But this is not true, I am using the credit and paying the full amount as soon as possible to increase my credit score and I can prove it with my XXXX XXXX credit transactions. I asked to speak with the Transunion supervisor who was busy at the time and was supposed to call me last week, but they never called me back. It's outrageous. I want to make a formal complaint and investigate and get my 46 points back. Thank you!

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 2023-08-04
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My federal student loans service released from Great Lakes  to Nelnet in XXXX. I have received only 1 email from Nelnet to advise me of the transfer. No letters. I have been trying since XX/XX/XXXX to access the nelnet site to review the information and the debt amount now serviced by nelnet and can not access the site. I keep emailing and trying to call nelnet to tell them that I can not access my loan account to no avail. I believe my loan is eligible for additional months/ payment being credited to my loans- and want to know how close I am to being to the 25 years of repayment. How do I find this information out sonXXXX know how many more years I have to pay under my current IDR plan? I also need confirmation that my payments when they start in XXXX will still be around $ XXXX month which is what I agreed to in XX/XX/XXXX when I refinanced my loans and co silicates under the federal program. I have been making payments on my loans since XXXX, if not earlier and think I am closer to the 25 years of repayment period but dont know exactly wheee I am at. I want to know how many More years do I have to make payments under my IDR plan. Also need to have access to the nelnet site. Its ridiculous to transfer these loans and then not have the capability to allow borrowers to access their loans and ask questions about the loan, including verifying the debt amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express offered a XXXX point bonus for new applicants of XXXX credit cards who spent {$4000.00} in the first 6 months. This bonus offer language was on their website, all the reviews from various media, and was also the same offer listed when I logged into my individual AmEx online account. I opened a XXXX credit card account on XX/XX/XXXX, and did not see any notifications of a different offer than the one listed of {$4000.00} in spending in 6 months. I spent {$4100.00} with my AmEx XXXX card between XX/XX/XXXX and XX/XX/XXXX. I received {$170.00} as cash back rewards for some of my purchases, so I made sure that my XXXX XXXX after rewards was over {$4000.00}. When I contacted AmEx about my missing bonus, I was told that they do " dynamic offers '' and they changed my offer to 3 months of spending instead of the 6 months that was advertised. I was not notified of this change. I saved the 2 emails I received from AmEx when I opened my account on XX/XX/XXXX, and neither mention a change in the promotion that I was offered. Since XX/XX/XXXX, I have contacted AmEx several times to request the XXXX membership points. I also provided them with the offer details that I retrieved from the AmEx website and 2 of the reviews of the offer from the time period I applied to my account. I would like to receive the XXXX membership points that I should have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved out of my Florida townhouse on XX/XX/XXXX and provided XXXX XXXX with my forwarding address in case there was a final bill not taken care of by the security deposit. Rather than sending the bill to my new address in Texas, XXXX XXXX sent it to the same Florida address ( please refer to attachment provided via Helvey verification ). I made ample notification to the utility company of the cut off date along with my forwarding address. Nevertheless, I did not receive any correspondence from Helvey and Associates. Helvey proceeded to add a collection account to my credit report on or about XX/XX/XXXX. I was never given the opportunity to pay prior to their notation on my credit report for a {$250.00} utility bill. Its unethical behavior on Helvey as I never received notice from the company. Upon reviewing my credit report, I made the payment in XX/XX/XXXX after requesting verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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