BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am sorry to bother you again, but I cant understand why PHH mortgage XXXX can't give me a payment deferral plan as I see it is being offered at this time. 
I have lived in my home for for 27+ years. My demise began as a result of a work related injury at XXXX XXXX ( my employer since 1986 ). I very much wanted to return to work post- surgeries and retire with my peers to include my earned travel benefits But.XXXX XXXX XXXX XXXX has been difficult to say the least- 3 claim closures which were won in appeals court, 2 XXXX later and currently waiting for nearly 4years for the approval of the final XXXX ( approved already at the beginning of my claim ) leaves me now, a XXXX XXXX XXXX single woman struggling to make ends meet. 
I did try a modification several Yeats ago, but at that time, XXXX XXXX XXXX closed my claim and I wasnt able to keep up. Since then, I have modified my home and now have rental units which give me significant income. I've tried sending Mtg. payments which were returned and I have applied for modifications again but was either denied and/or I received no response. 
I watch others receive Unemployment compensation regardless if they've ever had a job, people get rental assistance and housing is being built for the homeless people as I sit here and watch all my life 's hard efforts get taken away from me due to medical reasons. It's just not right! With that being said, the 2 issues I am asking you to help me with are 1 ) Negotiate extreme penalty amounts with PHH Mortgage. 
2 ) Help me request a Deferred payment plan. If I could just continue with my original loan amount with the amount of arrears put to the end of the loan, I am confidant that I can make the payments on time, every month. Whereas a refinance with a huge payment would be a struggle. 
A deferral of my past due amount to the end of my loan would put an end to my ongoing mortgage issues. Please, can you advise me on how to get this deferral program? I have read that it is being offered to others - Why can't it be offered to me? 
My income has sustained thru my rental units along with SSI checks that i just recently started getting. 
I also look forward to my pension from XXXX XXXX. 
I have considered hiring an Attorney to help me with my Mortgage issues but hoping I don't have to. 
I just don't know what I would do if my home is foreclosed on. The cost of housing is so high. 
Please, can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Progrexion Holdings, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
This company keeps sending unsolicited marketing services for credit repair that I do not need and they will not stop. 

The email is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
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:
Due to me being a victim of identity theft have unauthorized accounts that appears on my credit report. A trouble some of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my XX/XX/XXXX, Transunion, and XX/XX/XXXXcredit report due to my identity been stolen. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
At the end of my lease with infiniti, I went into a new lease with them. The dealership waived my last payment and I have had my new car for 15+ months. The outstanding last payment of {$430.00} that was waived by the dealership through infiniti financial services has not been updated as closed and is still showing as an open balance. Ive tried to resolve this through them and they have not helped at all. This is my last attempt to have it removed before my attorney becomes involved for falsely reporting this outstanding balance for more than a year. My brother was a co-signer on this lease and its causing him harm as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX has been reporting consumer transactions improperly. 15USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included on the consumer reports. XXXX continues to report this information. The reporting of excluded information pursuant to 15USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) on a Consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a Consumer Reporting Agency. I need the the transactions reporting as late, Collection/Charge Off status and any other derogatory information deleted from my Consumer reports effective immediately. Before you assume to reply that this account has been " Validated '', let 's be transparent that I am not asking you to validate or verify anything. So please do not respond with that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX & the creditors reporting Collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26USC ss 6050p Returns relating to the cancellation of indebtedness by certain entities. If this derogatory information is not deleted from my consumer report within 15 days I will be compelled to officially file IRS 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against all entities involved.

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 2023-05-17
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:
none compliant refusing to remove instead leave a {$2.00} balance and provide verification account created online

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 2017-05-02
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have had my student loans on my credit report for too long now I and I keep telling them I can not afford to make the payments as necessary dye to job income reasons and too the fact that I 'm already drowing in debt I have to delayed the payment but they did not give me the option to do so and I do n't want this to keep making my  credit score  very low they either need to discharge it because the school did not give me proper information in regards to loan and I still was misinformed about the program now the   XXXX   XXXX   XXXX   is now CLOSED and I do n't feel I should be liable to pay especially since they did n't give me the proper agreements when I signed up for school and right now I 'm having troubles making the required payments so they need to do something about this because I cant make the payments sorry! this has been going on since   XX/XX/10     fyi

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Today @ XXXX, I called Mr. Cooper . I spoke with XXXX and I requested to make payment of {$400.00} today. I told her I would call in to make additional payments. She placed me on hold stating that she had to speak with her supervisor. 
After holding, XXXX ( Mr. Cooper ) came on the phone. He stated that payments could not accepted as I would need to set up 5 payments now. I told him that I could not do that today and that I can set up 2 payments for today. He stated that 5 payments would have to be made by Monday XX/XX/XXXX. I told him I could not do that. He asked, Maam do you want your house to go into foreclosure ...? I asked him if he was trying to instill fear in me by threatening me with foreclosure. XXXX stated that a demand letter was sent on XX/XX/XXXX. I informed him I did not receive a demand letter. XXXX stated that a total of {$3400.00} would have to be made by XX/XX/XXXX and he will not accept any payment. I asked him to identify himself. He stated that he is the Foreclosure Loss Litigation Specialist. XXXX mentioned a demand letter was sent on XX/XX/XXXX, I informed him that I did not receive a demand letter on both dates he mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
US BKPT CT CA XXXX XXXX, Amount {$0.00}. I have no knowledge of this public record and don't live in California. I have stated this with XXXX, XXXX  and TransUnion.

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 2023-10-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My checking account continued to be debited for unauthorized transaction for XXXX XXXX XXXX XXXX My account was linked to a LOC ( Personal Line of Credit ) for Overdraft Protection, so it too was depleted. My total loss between both the checking accounts and LOC was approximately {$4000.00}. I have statements that show list of ALL transaction dates, amounts, and name of online gaming vendor ). 
I have contacted Bank of The West local branch, I have completed a dispute per branch manager advise, but the bank did NOT refund me my money. I even contacted District Manager, but I was totally disregarded. 
Please note that these transactions where made from a secondary checking account, that wasnt used often ; not my primary checking account so I was unaware of what was happening, and unfortunately although the bank does get a daily overdraft report that the Operation Manager receives, is required to review, and is required to contact customer whom are overdrawn, or show suspicious activity I was never contacted.

At the time Covid hit and I was XXXX  and couldnt follow through with trying to get my money back. I am ready to provide all info needed to support my complaints, and hope you can assist me in getting my money back. 

Thank you, 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 explanation
Consumer complaint received 2018-04-25
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I posted a regular monthly payment for {$910.00} for my bill due XX/XX/2018. I received a receipt from Mr. Cooper indicating they acknowledged it was a regular monthly payment. 

However, they used the money as " additional principal '' instead of as a monthly payment. This seemed like a deliberate tactic to get me to fall behind on my mortgage despite me being a responsible borrower who makes every payment. 

I received no contact from the company addressing what they had done or explaining why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. Bankruptcy XXXX XXXX dismissed Reference # : 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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-21
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They sued me for the debt. I hired an attorney. When we went to court. The debt collector never showed up because they had no proof that it was mine. The judge ruled in my favor that the debt is not owed. It's been over a year now and they still will not remove it from my credit report. I have disputed it through the agencies multiple times and some how they still are allowed to keep it there. The creditor is LVNV Funding. The amount is {$2900.00}. I'm tired of fighting this after this has been settled in court already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: AL
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:
I called  XXXX  who is the services my student loans multiple times to figure out why I have over  XXXX  late payments on my student loans. I explained to the agent that my loans were in forbearance and deferment which means I was not obligated to pay the student loans those times because my payments were put on hold for the forbearance. The agent agreed that in  XXXX  my loans were in fact in forbearance, but  XXXX  would not remove the late payments. The agent then proceeded to tell me to contact the credit bureaus to see if they can remove them or wait the  XXXX  years so they can fall off my credit report. I do not think it is right to penalize someones credit worthiness by putting late payments on their student loans when they were not obligated to pay due to forbearance and deferment. I contacted all three credit bureaus and asked if they can delete the late payments. They all declined and informed me that the original creditor would have to remove the payments. I feel as though this issue will never get resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar ( mr.cooper has been marking me late from XX/XX/XXXX thru XX/XX/XXXX.The error occurred when they allowed me to defer one payment they did approve. They have refused to correct the errors they made do my account. The Attorney General Office has asked me to make XXXX XXXX, XXXX aware of what is happening to my credit score. Nationstar has marked me late over 8 months over the past year. I have enclosed all my payment records and correspondence with Nationstar ( mr.cooper ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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: Account status incorrect

Complaint:
Mid XXXX I had notice a collection from XXXX XXXX and XXXX XXXX was removed from my credit file. My credit score had increased thats why I noticed. Also the credit files of other people on that account had noticed as well that it was removed. 
Beginning of XXXX I had noticed it was reinserted without notifying me within the 5 day period of the collection being reinserted. I had tried to dispute it on my credit karma file I wasnt able to write why it needed to be deleted from the credit file. So this leads me to make a complaint out. I would like the collection deleted off the credit file due to them not following proper protocol. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.

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 2023-01-10
Company: EQUIFAX, INC.
State: NJ
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:
Despite the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to XXXX ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation