BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-02
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing this complaint with the hopes that you can help us to clear up a previous lien, when in fact it is showing unsatisfied at the XXXX County Court House in XXXX, PA. 

In XXXX we acquired in Construction loan from XXXX XXXX. After the construction the loan was then rewritten as a mortgage loan with the same company but a different division called XXXX XXXX XXXX. It is our understanding that XXXX XXXX should have listed it as satisfied when it was turned over to XXXX XXXX XXXX. It is also my understanding that they both went out of business. Prior to them going out of business we received a letter stating that they were turning our loan over to Homecomings Financial. We paid Homecomings for many years until they sent a letter stating that Ocwen would now be taking over the loan. 

Approximately in XXXX, XXXX of XXXX we paid our mortgage off in full with Ocwen.. 
It wasn't until recently when we tried to sell a very small parcel of land to our neighbor that his lawyer informed us that there was an unsatisfied lean of {$83000.00} to XXXX XXXX from XXXX. 

This is very upsetting because as you know we paid the mortgage in full. We were told that XXXX XXXX and XXXX XXXX XXXX were based in New Jersey, which is where I believe Ocwen is based. I am asking that you research this and help us with this dilemma. 

Obviously we would never able to sale our home or leave it for our children with this lien showing unsatisfied. We are asking and hoping you can do something to help us. XXXX XXXX is the one still showing an unsatisfied lien when in fact they handed it off several times. Ocwen shows it was paid in full at the court house. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I notified the 3 credit bureaus of a list of inquiries into my credit report that were not authorized and not done by me It has been over 30 days and theres still been no resolve and items not removed from my credit file. I have attached a photo of the previous complaints with CFPB that has still not been resolved.

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 2023-05-25
Company: Bridgecrest Acceptance Corporation
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Bridgecrest is the company that I have my auto loan through. I recently spoke with them because I was told that if I was on the app I would see what day I would have to worry about my car being repossessed or being in repo status. I noticed a tow truck car driving by my house and decided to call them and I talk to a representative who then told me that I had had 24 failed bill pay payments go through my account since the beginning of the year of XXXX this was shocking to me because I knew that the total was always so high of what the bill and payments did they wanted were and then it never seem to go down a matter how much I Paid, Ive had this car and repossession status several times because they never are straight with what is going on with the account. I was told by this representative that XXXX XXXX bill pay was trying to take out every week or so money to pay on my loan, but I havent had a XXXX XXXX account since XXXX. Theres no way that I will have an account open in order to do a bill pay and when I called XXXX XXXX and ask them about it they had no idea what I was talking about so I asked Bridgecrest if they would refund the fees that come with each of these billpay payments being returned, which is adding up to be now hundreds of dollars And I was told no. I believe Bridgecrest is a predatory loan company I think that they dont want me to do well with this loan they dont want me to pay on time they want to repossess the car again because they know that I will get it out because Ive already done that twice. Ive proven that I have the ability to Pay the extra money that cost to get it repossessed and out of repossession. I think they bank on that and I think they live off those fees that theyre charging me off some bogus XXXX XXXX bill pay that no one can explain to me if you think about it 24 payments through this XXXX XXXX bill pay they charge me a return fee of {$24.00}. Every time thats over {$400.00} that that, I am owing that I should know because I never sent anything up like that. Im hesitant to pay them any money at all because Im not sure where they apply. It seems to only go towards the interest and never towards the principal and I am afraid that its in their best interest to repossess the car, rather than let me pay off the loan, also I was told that someone manually put me into repossession status, which is why I was not able to see it on the app and it came right after my negotiation with another auto dealer who would be willing to pay off my loan from Bridgecrest and instead lend to me for a new car. Its my belief that Bridgecrest would rather get the car and sell it then have me have someone pay off the 10 day payoff quote, which would be thousands of dollars that they would miss out on on these bogus fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Nelnet, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
NELNET LOAN SERVICES INC XXXX {$12000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$8000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$15000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$18000.00} {$0.00} Reporting Fraudulent Payment History for the following months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on my XXXX, XXXX and XXXX Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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:
XXXXXXXX XXXX XXXX  ACCT # XXXX DATE OPENED : XX/XX/2013 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 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 explanation
Consumer complaint received 2020-08-10
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I traded trucks at XXXX XXXX in XXXX TN. On that date they called Ally Auto to get a payoff and were quoted {$21000.00} that was good for 10 days. On XX/XX/XXXX they received that amount plus on XX/XX/XXXX another {$500.00} from an automatic payment that was not turned off. They are telling us we now still owe {$280.00} and that they told the dealership they quoted {$21000.00}. I believe the dealership over this company. Upon reading reviews I am terribly sorry that we ever did business with them.

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 2023-09-05
Company: MOHELA
State: IL
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:
I reached out to Mohella in the middle of XXXX requesting information on loan consolidation. I am a Public Employee who would qualify for PSLF however I need to know how to complete loan consolidation to ensure I have one payment and one loan to work with. However when I reached out, I received a response about the number of payments I have made. It had nothing to do with any information I requested. I reached out again and never received another response. As of today, I've yet to receive any information from Mohella.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: NC
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



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 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 non-monetary relief
Consumer complaint received 2023-10-31
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
My student loan account has been placed in Forbearance. I did not ask for forbearance and I have repeatedly requested that the forbearance be removed so that I can resume making payments and have those payments counted towards XXXX. 

My previous loan servicer ( XXXX ) placed my XXXX payment loans into an unsolicited forebearance in 2017 when I filed bankruptcy and then turned around and refused to update payment counts for an entire year, PROLONGING the life of the loans that would have been forgiven under the XXXX program. 

I find myself in nearly the same position with Mohela today, and, after the XXXX XXXX and XXXX hour call to them, I am here again to file a formal complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: LA
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 have a late payment reporting from XXXX credit card reporting late on XX/XX/22 I was never late and I contacted company and there response was accountant was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX - Noon Problem : Both of my American Express Credit Cards were invalid at XXXX XXXX.   Action : Called American Express three ( 3 ) times - no solution, just three ( 3 ) hang ups by three ( 3 ) different individuals. Explanation : American Express wants me to get a letter from the Social Security Administration showing the social security numbers for my mother and I are different. Mother has been dead for nearly ten ( 10 ) years. We never shared a card. I asked why? This is weird! I asked that I be given a letter to bring to social security so that they know what to return to me. No good. Each of the three ( 3 ) reps hung-up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 non-monetary relief
Consumer complaint received 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX you received a message from Bank of America confirming that a temporary credit had been issued to my account for {$990.00}. This was a result of a fraudulent dispute filed on XX/XX/XXXX in my account against a previous rent payment in my account stating my landlord overcharged me.I also discovered my debit card was missing on same day, XX/XX/XXXX. Once the temporary credit was available, it was used at XXXX to make purchases equaling almost {$900.00}. these purchases were made with my missing debit card. I did not file this dispute or authorize anyone to do so. Also, on XX/XX/XXXX, two mobile check deposits were made into my account. these deposits and the checks were fraudulent and were not made by me. Once the funds were available, these were used to make fraudulent unauthorized purchases at XXXX, using same debit card .I notified your bank immediately and once all the transactions were posted and reversed, the fees that occurred from items being returned due to insufficient balances resulted in my account with a negative balance around - {$1900.00}. Bank of America is refusing to reimburse me for these unauthorized transactions and bank account takeover. I have filed Identity Theft reports with the FTC, XXXX and have filed a Police report. I have provided said reports to Bank of America. Under XXXX XXXX i am not responsible for unauthorized transactions.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 to the Fair Credit Reporting Act XXXX  Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account with out 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 explanation
Consumer complaint received 2020-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the past 14 years we have had several issues with the servicing of our loan with BofA. Most of these issues resulted from system issues on their end. We were scheduled to close on the sale of this home on XX/XX/XXXX and because of a system issue with BofA they were not able to provide us a payoff statement. We unfortunately had to delay our closing!!! As I type I have been waiting on hold for over 50 minutes. Ive been trying and so has the title company in order to get this payoff information. They made provisions for people to make their payments but no provisions for people that are selling their homes. Its XX/XX/XXXX and Im still trying to get someone to help with the payoff. Ive been transferred, put on hold and still no success. I am in danger of losing the buyer because BofA is failing to provide basic servicing. Its also costing me interest each day that the house does not close. We have everything except for the payoff. This is not only frustrating its very stressful. This is the second issue Ive had this year with system issues. I now have a 30 day late, the ONLY 30 day In our file from a system issue back in XXXX or XXXX. they basically blamed me for the issue. I explained to them that went to make my payment like I usually do but the system wouldnt allow it. I also explained to them that my husband was very ill at the time and unfortunately I didnt have the time to call and sit on hold for days or hours like Im doing now. Im sure we will be blamed for having to delay closing. They will figure out a way like they always do to blame the consumer. Im just ready to sell this home so that we can get out of this loan! Its not right. Im in danger of potentially losing a buyer because I cant get whats needed from Bank of America to close. Im past stressed and frustrated at this point.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Home Equity Line Of Credit with Bank of America. The application went smooth, I did it over the phone with a lender. It was sent over to underwriting, I submitted all requested documents. I got an email saying the title work and appraisal had been ordered. Then I got an email back saying they required me to have {$9000.00} in a savings account to be able to be approved for the loan. This was the first time during this entire process that this requirement had been brought up. I really thought it was strange. I only have about {$4000.00} in a savings, so they said they could not move forward with the loan. Had I known this up front, I never would have applied and took the hit on my credit. Obviously, I would have known I would not be approved. But this fact was never disclosed until the end, after the app, the credit pull, the entire process. A supervisor called me after I submitted a complaint on their website about this process. Then, after that, I got a call from the appraiser to schedule an appraisal, so I did that. Thinking maybe it was back on track again. We scheduled for today at XXXX XXXX. Well, the appraiser did not show. I called and she said the bank called her and cancelled it. So, I am really not sure what is going on. I think it is unacceptable that they effectively tricked me into applying for a loan I had no way of getting. And also during the process, the person that took my application on XXXX separate phone calls remarked how young I am. Which, I am XXXX, so I don't know why. But also, how is that relevant? Is that also part of why I was declined? My age? Again, I just find it unacceptable they would not disclose the {$9000.00} requirement up front, make comments on my youth, and then conveniently find this " loophole '' to decline my application. All while still getting my information into their system and getting an application tick mark for their spreadsheets. And this stuff is all there to see in the emails I have and their recorded phone calls. I also find it unacceptable that they just so blatantly would do all this and not think a customer would take issue with the process.

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