BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: MS
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:
In Accordance with the fair credit reporting act XXXX Account number XXXX ( XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I apply for loan modification from Shellpoint mortgage from there loss mitigation department due to decreased income but it has been a nightmare as they keep asking me a dozen times to submit the documents I already submit I believe I am a victim of preferential treatment one representative tell me one thning and when I call back I hear different story they just want to make me too lose my house for foreclosure by using systematic discrimination I uploaded all the required documents and even I am qualified for the home modification based on my current income to debt ration analysis but they just keep asking documents I already submitted with no solution so far,

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was switched from XXXX XXXX to Freedom Mortgage XX/XX/2021. Freedom said my insurance went up & is charging me around {$200.00} more for escrow. However, when I check the paperwork, neither my homeowners insurance, property taxes nor their FHA payment has gone up enough to charge an extra {$200.00} a month. 

I questioned Freedom, and they sent me a loan history, but I still can't see where the extra {$200.00} is needed. I'm a college graduate majoring in XXXX, but I'm still having trouble trying to see where the extra {$200.00} is warranted. 

I have contacted an attorney who is experienced with Freedom Mortgage & they don't seem to have a great reputation ( even according to your archives ). However, they want {$1000.00} up front. I don't mind paying an attorney if I can see that Freedom is in error, but I just can't see from the loan history they sent me where the extra {$200.00} charge is from.

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 2023-10-19
Company: MOHELA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Despite satisfying the requirements of Public Service Loan Forgiveness ( PSLF ), Mohela, my student loan servicer, has not updated my qualifying payment counts and has not forgiven my student loans. 

My loans and my employment satisfy the requirements for PSLF.

I have routinely filed Employment Certification Forms ( ECF ) with my student loan servicers. In XX/XX/XXXX Mohela correctly reflected that I had made 108 qualifying payments based on my most recent ECF. 

On XX/XX/XXXX, I submitted my final ECF to Mohela because I had completed enough payments to qualify for forgiveness under PSLF. 

On XX/XX/XXXX, the form was marked as " processed '' on Mohela 's website. 

As of today, XX/XX/XXXX, ( 139 calendar days and 96 business days since the submission of my final ECF ) my payment counts have not been updated and still reflect 108 qualifying payments. Mohela has not contacted me that there was any issue with the form and has not taken the action the form requires. This is an unreasonable amount of time to wait. I am entitled to forgiveness now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted Navy Federal after I realized my account has been used without authorization and my debit card was missing. I was told by navy Federal to submit a fraud claim in which I did. Within 2 days my claim was denied. I provided the suspects name and even his identification documents. I know for a fact that no human investigated my claim as required by federal law. My account was wiped out for over {$18000.00} in two or three different countries. I cant be in two or 3 places at one time and this has never happened to me before with navy federal. My account was to be credited, yet, nothing happened. No information has been given to me nor documentation showing how a two day investigation was done including if they even investigated into the suspect. I dont feel secure with navy federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting 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:
On XX/XX/2022 Hard Inquires was pulled from my Credit Report from XXXX XXXX, XXXX XXXX XXXX without my consent. I sent letters 2 months ago to the consumers asking for verification & have not got any response.

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 2022-04-06
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2018-11-18
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
day XX/XX/2018 XXXX I was inform that my loan was approved for {$5000.00} for 30montths {$180.00} @ 10 % fix interest at that time they put {$490.00} into my acct then they ask me to go to cvs and put {$490.00} on a card then send it back to them that was for my PPI. then they will transfer the {$5000.00} in to my acct. then they called me and told they need a {$150.00} and I told them no

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: SC
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 numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-02-09
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent one check that contained my regular mortgage payment as well as a considerable amount for additional principle. XXXX/Nationstar Mortgage cashed the check and only applied the regular mortgage amount to my mortgage and no additional principle. Call to their customer service department have met with negative results. I have sent them emails with my cancelled check and have had no response from them. I would like my {$30000.00} back. The company in question is XXXX/ Nationstar Mortgage LLC XXXX XXXX XXXX XXXX, XXXX , Texas XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax is preventing me from obtaining my credit report online. I fill out all my correct information and the site does not allow me to access my report. 

Equifax is also placing incorrect dates on old debts on my report by allowing collection agencies to use incorrect dates. Then they change my score without justification. They also do not investigate correctly. 

I should be allowed access to my report and disputes online. I have previously sent Equifax my driver 's license to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have filed a report with EWS regarding a derogatory mark on my account. I am and have been requesting it be removed as the DOB listed does not match my birthdate that is listed on my consumer report. I have contacted the furnisher ( XXXX XXXX ) who have said they will collaborate with EWS to have it removed, but have not. This account does not belong to me as it does not match my personal information. I want to have this derogatory mark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 
Edited

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been sued by the collection XXXX XXXX XXXX  they did not properly notify me of anything then I was told I was served back in XXXX at XXXX I wasn't even home so how was I served and then after that I never received any letters about court dates so now I have a default judgment. On top of that the amount is now higher I didn't get a fair chance to defend myself or protect myself there practice is so very underhanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX {$1700.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-06-17
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX. XXXX XXXX {$1100.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have over 8 fraudulent car loans on my credit report with equifax informational services. I have submitted ftc report after ftc report and nothing has been removed or deleted. Everytime i call in, over the last 6 months i keep getting hung up on also i keep getting told my ftccreport either isnt valid or they did not receive them which i have sent every letter in the past 6 months certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Dear, cfpb I have XXXX phone app, and XXXX XXXX Credit activity monitors on my phone both pretty accurate in updates XXXX 3.0 they notify of any changes in credit scoring on both Transunion, and XXXX. The problem has been a car loan I am joint account holder on. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX. 
ACCT XXXX. WHILE THE ACCOUNT WAS SET UP ON A PAYMENT PLAN and agreed to XXXX  the CREDIT BUREAUS WERE STILL reported to while payment were taken by a creditor who claims to act as a Debt Collector who has been in trouble with the Federal Trade Commission ( Refer to Publication by F.T.C XX/XX/XXXX ) this company is still practicing in the same unfair credit reporting ways to  the CRA 's. I'm not sure why the unfairness in scoring between me and my wife with Transunion and XXXX, XXXX. 
Numerous Harassing Calls at work after telling them I could not have debt collection calls in front of my co-workers and also explained I was in an explosive Chemical plant on a cell phone. They continued to call me. 
It's a Joint account but not on the Credit Report Fairness with the CRA 's I'm not the driver of the vehicle my wife is. 
My score drops 78 this month and 101 points last month because of late payment made by my wife whereas her score drop 20 to 30 points on XXXX   because of XXXX. When i spoke with XXXX XXXX while at home and asked why they told me it was because of other things I may have had on my report and I could get anywhere with them or Transunion. Why I'm I not being treated with fairness in this.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-10-05
Company: Brown’s New Credit Bureau Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed this account was listed as a collection on my credit report as ( Browns collection services ) with a phone number of XXXX I had no idea what it was for so I requested a Validation of debt to them and received a response on XX/XX/2020 with a letter stating this was a copy of a bill from XXXX with a copy of my medical treatment information which stated what medical procedures where done and the cost also a copy of the office policy but never did they send me a Release form to share all this medical information with the collection agency This is a violation of my rights The HIPAA law protects patient privacy and that includes third party debt collectors accessing your information. They also never send me a notice of my right to dispute the debt and on the statement send to me the balance is  {$250.00} but they are reporting a debt of {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: ASTA FUNDING INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a letter from XXXX XX/XX/XXXX where they write : - The debt was paid in full. 
- We will not sell your accounts to a debt buyer or to any other company. 
However, they sold the account to Palisades Collection LLC due to the so-called pressure beforeand abusive, I paid {$7500.00} from XXXX until I found the letter from XXXX and still they sent me a letter that I owe them {$4100.00} account number XXXX I called themand I told they want a letter from XXXX so that they return themoney that I paid them for fear of damaging my credit. XXXX says that since they bought XXXX  XXXX they have no information, I have been demanding the return of the money paid unfairly for years.

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 2023-02-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Portfolio recovery associates have an account under my information but the account was being paid for by someone else. The information they sent me have 3 different transactions to the account paying half the account off.Ive disputed it with them before and recently sent a letter with no response from them that was delivered XX/XX/XXXX and its now XX/XX/XXXX. Before that sent a letter XX/XX/XXXX that was delivered XX/XX/XXXX. Nothing has been done to rectify the situation.

Company response to consumer: Closed with explanation