BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE TRIED TO CORRECT THE REPORTING OF MY CREDIT FILE BY SENDING COPIES OF MY BIRTH CERTIFICATE, DRIVER LICENSE, UTILITY BILL, MY SOCIAL SECURITY CARD, AND MY RIGHT TO HAVE ACCURACY AND TRUTH TO MY NAME ADDRESS IS STILL BEING VIOLATED I HAVE ENCLOSED A LETTER FROM EQUIFAX AS TO WHAT I SHOULD SEND TO HAVE THIS CORRECTED. 
THIS IS MY CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX PLEASE DO NOT LIST ANY OTHER ADDRESS FOR IT IS NOT DELIVERABLE BY USPS. 
NO PHONE NUMBER LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Due to the seriousness of XXXX 's XXXX XXXX, he will not be able to make any payment that is due on the XXXX until he returns home if that will happen. I know this has a serious impact on the repayment plan, but XXXX XXXX has a very serious XXXX XXXX. He is in serious condition and remains in the hospital for an indefinite period of time, he will not be home for the holiday and arrangements are being made for his final wishes. Please respect and do what he wants, he knows that the SPS payment is due now, but he needs to delay it until the end of the month or make two payments in XXXX, if possible. Because of the nature of his XXXX XXXX, he wants SPS to change the repayment plan beginning in XXXX. His condition is grave, and he may not be around to fulfill his obligation and need time for the doctors to do their work and not have XXXX XXXX be burdened because of a mortgage payment. His income has dropped considerably since he has been in the hospital due to medications and hospital stays which were not anticipated. Please work with XXXX while he is here, we may lose him at any time. 
XXXX still remains in the hospital, he is waiting for some kind of response from the emails, he is worried that you're going to pop on his doorstep ( he is not there ) and post a foreclosure notice. He is asking for some time and wishes that SPS could move the outstanding due payments to the end of the contract until he somewhat recovers ( he never will ) from XXXX  XXXX XXXX. There is no cure for this, he is placed on a medication remedy only and that is what is keeping him alive. Sorry for the bad news, but it's a reality and he is trying to come up with a solution instead of lying there in bed suffering so, please work with him. 
Please stop any foreclosure proceedings, XXXX can not help the situation he is in, he can not believe SPS would take the house while he is suffering seriously with XXXX  XXXX XXXX, the house will always be here, but XXXX may not survive this horrible XXXX. Please keep him in your prayers and please don't rush to a quick decision without any kind of notification on what you're going to do. We think you should move the outstanding balance to the end of the contract until XXXX XXXX hopefully gets better. Please note he is sacrificing his mortgage payment for his health, and he wants all of you at SPS to understand his situation. He is going to try to work with his credit union if he is able to pay at least one payment, we will not know until this probably next week, so please read the above and show some compassion because I am afraid, you're going to lose a good customer, would you rather have the house instead of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: MOHELA
State: PA
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 PSLF was accepted certified and submitted to Mohela on XX/XX/2022. I have spoken to Mohela to ask the Federal Student Aid be provided the credit information. XXXX sent me a form indicating Federal Student Aid is waiting on Mohela to provide the counts to them. I have spoken with Mohela often and requested. Assure this is happening. I am consolidating loans. This is urgent information for XXXX. I can see my credits for PSLF on Mohela site and on my account. Unfortunately my servicer, Mohela has not provided Federal Student Aid with the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-08-28
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, PHH Mortgage has only paid me half of what is owed now that I've refinance my loan. The company received the payoff amount from the broker, but I had already made my XXXX payment, as well as extra payments throughout the year, I am owed the difference. Their customer service is incredibly difficult to reach. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: LA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2023-11-21
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Our current mortgagee sold our loan but didn't allow the required 15 days notice of transfer to new mortgagee. We just received notification on XX/XX/23 the new servicer takes over on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Continental Finance Company, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being sued by a company ( XXXX XXXX XXXX that is not a registered entity in my state of AZ. The XXXXXXXX XXXX XXXX filed a claim stating the original creditor was XXXX which is false, misleading and hampered the defendants ability to file an accurate answer defense response to the complaint. There is also an Arbitration agreement with the original creditor Continental Finance that states any claim that arises out of or in any way relates to the Agreement, your Account, or this Provision ( the Claim ( s ) ) shall be resolved exclusively by binding bilateral arbitration in accord with the following : a ) This Provision is contained in a contract evidencing interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am not aware of XXXX and why there is an account in collections with this amount - I have had no contact from a debt collector via mail, email or phone. I have attempted to reach out to the previous holder of the debt however was refused information regarding the debt itself. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

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 2021-08-25
Company: PNC Bank N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
While I sought relief under Chapter XXXX Bankruptcy filed in XX/XX/2016 and Discharged in XXXX. The obligation with PNC survives the discharge and since they reported prior to the BAnkruptcy, Bankruptcy code says they must report after the discharge since I am liable and paying this obligation. Mortgagees are treated differently and as secured loans iunder Chapter XXXX and continued to be paid outside the repayment plan. 

Mortgages arent discharged In Chapter XXXX, your liability on your mortgage is an exception to the discharge. 

The mortgage loan is not discharged as a personal obligation. 

And therefore, there is no legal bar to the servicer reporting your payments, and every danger should they not report. 

Heres the part of the Bankruptcy Code that excludes long term debt like your mortgage. 

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due ; So, among the debts excepted from the Chapter XXXX discharge is a secured claim with a payment schedule that extends beyond the life of the Chapter XXXX plan. 

Servicers obligation to report Put simply, if a creditor reported to credit reporting agencies before the bankruptcy was filed, then there is an obligation to report after the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
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: Information belongs to someone else

Complaint:
The following inquiries are not mine and I have previously disputed with the credit reporting agency. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the following accounts to ascertain validity and accuracy with ALL 3 Credit Reporting Agencies. These are the accounts that i feel might be reporting on my credit files inaccurate and should be removed for this inaccuracy. 

XXXX {$6300.00} XXXX {$5800.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$36000.00} XXXX XXXX XXXX {$36000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: EQUIFAX, INC.
State: VA
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:
Beginning on XX/XX/XXXX, I filed a dispute with the credit bureaus. I later sent a letter on XX/XX/XXXX and again on XX/XX/XXXX. i requested that they do a full investigation in regards to these accounts but the incorrect and false information is still showing on my credit report. Section 611 ( a ) says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been well over 60 days since I have been going back and forth with them and I feel as of my request is being ignored or overlooked. I am demanding that this accounts be deleted immediately or I will seek legal representation since these accounts are in litigation due to a workman 's comp case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A few months ago I made a purchase on XXXX for {$350.00}. The actual purchase date was on XX/XX/2019. I made the purchase using my Citbank Double Cash Credit Card. I later see that Citibank charged me a " cash advance fee '' which I immediately disputed because there was no such cash advance. At the time Citi had told me it had something to do with how the XXXX merchant processed the payment. I had stated that I made purchases regularly through XXXX using the same card and never had such an issue. I also stated that I had authorized a payment for the purchase but never authorized any cash advances. To be 100 % clear used a Credit Card to make the purchase and not XXXX. I reached out to both XXXX and XXXX and they directed me back to Citibank because Citi is the company that actually charged the fee. The XXXX seller apparently withdrew his money through his XXXX account which I do not find unusual. If the seller happens to withdraw cash through XXXX I am not even sure how that would be tied to my credit card? The cash advance fee sat pending until XX/XX/2019 at which point I was charged the {$17.00} cash advance fee and also an additional interest fee. I have called Citibank and they claim there is nothing they can do. They can clearly reverse a fee that THEY have charged.

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 2021-11-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2019, I entered into a consumer credit contract with XXXX XXXX XXXX ( an affiliate company of the XXXX, XXXX corporate family ) and a consumer credit transaction occurred for a 2019 XXXX XXXX. I have reason to believe that this entity is a financial institution pursuant to 15 USC 6827 ( 4 ) ( B ) and also a seller-creditor as mentioned on my contract pursuant to 16 CFR 433.1 ( exhibit A ). I have reasonable suspicion that the contract/transaction are fraudulent in nature. I have attempted to settle this matter many times ( in person, over the phone, AND through electronic correspondence ) with XXXX XXXX XXXX and also TOYOTA FINANCIAL SERVICES INTERNATIONAL CORPORATION without any remedy. Per my contract, as the consumer and debtor ( pursuant to 16 CFR 433.1-433.3 ), I am asserting my rights. I believe I was fraudulently required to pay a down payment ( exhibit B ) which is a violation of 15 USC 1605 in transactions where finance charges are involved : " The finance charge does not include charges of a type payable in a comparable cash transaction. '' 15 USC 1605 also states that : " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. '' ( exhibit C ). However, I believe I was fraudulently coerced into paying extra charges and monthly payments/fees that far beyond exceeded the finance charge ( exhibit D ). I believe these extra charges and monthly payments/fees constitute another violation in the form of a billing error ( exhibit D ) pursuant to 15 USC 1666 ( b ). In addition, I believe my promise to pay ( promissory note ) via a negotiable instrument secured the loan ( purchase money loan pursuant to 16 CFR 433.1 ) and discharged the obligation at the time of signing which also constitutes a billing error. Also, I believe my rights of rescission were violated pursuant to 15 USC 1635 due to the fact that I was not furnished with any rescission disclosures at any point in time and the contract goes as far as to state that there is " no cooling off period '' for this transaction ( exhibit F ). I also feel that this " loan '' was fraudulent in that it is not a loan at all but a " credit sale '' in that I agreed to " buy the vehicle on credit '' ( exhibit G ). Many courts have long established that banks/financial institutions may lend their money can not lend their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
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:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020

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 2020-12-28
Company: Experian Information Solutions Inc.
State: FL
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 submitted all the proper identity theft documents including a police report and identity theft affidavit back on XX/XX/2020. I have proof of the certified mail receipts showing the dates received by all 3 bureaus ... .nothing was done.The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2022-07-11
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: Reporting company used your report improperly

Complaint:
Im accordance with The Fair Credit Reporting Act the United States Bankruptcy XXXX Ohio District Case Number XXXX 15 U.S.C 1681 section 602 A States that I have a right to privacy.

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

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