BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-10
Company: BMW Financial Services NA, LLC
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 information incorrect

Complaint:
Auto payments were setup to make payments on a car loan. Starting onXX/XX/2013. The payments were made on time for 4 1/2 years. Then unexpectedly stopped before the end of the loan. It was found by my bank the the number of months for the loan were incorrect. I was out of the country, in XXXX, that month. When I returned I found the late notice in my mail. Bad timing for me to be away from my mailbox. The loan was at the end of it existence so I went ahead and paid off the loan in full. The financial institution, XXXX XXXX XXXX, reported to credit reporting agencies a missed payment greater than 29 days. I spoke them about my circumstances leading to my missed payment. Their reply was, " We acknowledge participation in credit reporting system is voluntary ; however our company has chosen to report the payment experience of our customers. Therefore, we do not subjectively remove accurate information we have reported to the credit reporting agencies. We are unable to remove delinquencies or change the way we are reporting your payment history as a courtesy or as a gesture of goodwill for brand loyalty. There is a problem with that statement. It does not take into account that we live in a digital age. that consumers have lives outside of this black or white constraint. Or take into account a non planned outcome do to a digital mistake. I ask for this delinquency be removed from credit reporting agencies. Because there was no intent to defraud XXXX XXXX XXXX. This is a unfair mark on my credit for no good reason. This can cost me thousands of dollars when purchasing a home. There is no answer to, why? It is simply a fine place on me for a future home purchase. Shame on XXXX XXXX XXXX for not acknowledging a legitimate digital mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Park Hill Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This SAFERENT SOLUTIONS LLC, made a hard inquiries into my credit report which I do not have any open transaction with them or any reason why they should have used my credit report.

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 2023-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: MO
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 submitted a dispute for 3 XXXX accounts and then these three were purchased by XXXX XXXX XXXX. I dont think they did an actual investigation. Otherwise, why is it ok for a company to say theyll delete accounts, not do it, and then the credit reporting agency be fine with it? I have sent them evidence of the company indicating they were deleting and they didnt even seem to look at this. They are just accepting that the company said its legit as though that should be enough. XXXX have repeatedly asked for a verification of debt and they havent done it. They ignore that I asked for and the company ignored sending me a copy of the contract or anything showing my signature and they ignore or refuse me. I asked for an exact breakdown of fees and they refuse. Funny how it says credit limit of {$100.00} but owe like {$400.00}! I dont think they really investigated. Its like they just contacted XXXX and XXXX and took their word for it. They have the same debts on their twice both with original comenith and then XXXX XXXX XXXX. Because I had no card number they wouldnt even talk to me! I want them to have to show what I owe! I asked them to provide what the money they say I owe is for and they have ignored me. I asked them to explain and show how they calculated what I owe and they refuse. I asked for a copy of any paper bearing my signature. I asked for proof of agreement from me. They provided no proof at all, ignore my requests for the last three years, yet still report to credit agencies and the credit reporting agency honors them! This isnt right! Id like credit reporting agency to get a signature, contract, or fee breakdown to actually verify!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Home Point Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home mortgage with XXXX ( Loan # XXXX ). My property taxes and insurance were escrowed at my request. On or about the first XXXX  XXXX I notified XXXX that my property taxes had been significantly reduced and my escrow collection was to be adjusted accordingly. I supplied them with a copy of the new assessment letter. 

I heard nothing from XXXX and was informed, via their website, that any attempt to inquire as to the status of this request would result in further processing delays. Next I received a notice from XXXX telling me my escrow collection amounts would be increased as XXXX needed a cushion. I called customer service to see if I could rectify this. They were no help. I then requested the escrow service I requested be canceled and any funds be reimbursed to me. I further asked for a specific date by which this would be completed. 

I received a vague response from Homepoint stating they had approved my request along with an obtuse reference about needing to maintain an escrow account in case I missed a tax or insurance payment. 

Today I received a " bill '' for my XXXX mortgage payment not adjusted to reflect the lower tax amount and the escrow increase made without regard to the aforementioned tax reduction. 

As of this date I have send 5 requests to XXXX, including a copy to their CEO, asking this issue be addressed. What I have asked for is for them to cease escrow services on my behalf and refund any excrow balance to me. I sent a 6th request today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
The student loan debt listed on my credit report should have been discharged in XXXX  under Bankruptcy XXXX # XXXX it has been on my credit report and no changes were made to remove it despite the many requests. this is unlawful and has impact my credit score tremendously. Additionally, when trying to refinance my mortgage, I was told there are 2 entries for student loan debt - ( 1 ) XXXX XXXXXXXX and ( 2 ) XXXX XXXXXXXX basically destroying my debt to income ratio ; I never owed XXXX XXXXXXXX in student loan debt. Any and all student loan debt needs to be eradicated from my credit report based on the bankruptcy documents.

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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am a victim of Identity Theft. I have requested to the bureaus on numerous occasion for the removal of fraudulent items that appear on my report. Those items are XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX To this day they have not been removed, and the credit bureaus, along with the creditors have no provided me with actual proof that I created these items. They have not produced any signature, or signed contract. I want these fraudulent items removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
Company: EQUIFAX, INC.
State: SC
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:
Hello, my name is XXXX. To whom this may concern. XXXX   and Equifax deleted some items off my credit report and decided to put them back onto my credit report. Which is against the law by the Credit Fair Reporting Act. I just want your help with ensuring they delete these items back off my credit report and to never place back on my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
HELLO.My name is XXXX XXXX ... Due to pandamic covid 19.Bank of america defferal program from XX/XX/2020 till XX/XX/XXXXXXXX XXXX..I wasn't making payments because I have been told by Bank of America that I will be good till XX/XX/XXXXXXXX XXXX.They closed my account without notifying me In XXXX XXXX also send negative report to credit Bureau. that I wasn't MAKING WHICH IN NOT RIGHT.They can't make false information because I have all the proof that I was on the deferral payment plan authorized my Bank of America.I started making regular payments after XX/XX/XXXX which i have been told by them.My account is still closed and missed payments shows on my credit report.I 'm going to send you the payments i made and email sent by Bank of America about deferAL PROGRAMM.I would like my account to be open and take negative report from credit buereu.Thanks

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 2018-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 requested vailadation on XX/XX/XXXX from XXXX XXXXXXXX XXXX. And was sent back a letter stating it was with XXXX XXXX. In which I, sent them a letter to validation and instead I, was sent a offer to settle. Either company has sent me any validation to this debt. Also, I sent XXXX XXXXXXXX XXXX another letter stating that the account is still showing a balance and can they send me validation again. Never received it. I then sent a letter to XXXX on XX/XX/XXXX for validation and the same results but they only sent me a offer for a new card on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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: Account information incorrect

Complaint:
I have repeatedly notified this company by phone that I am in a current bankruptcy status on at least 5 separate occasions since my bankruptcy was officially filed in court on XX/XX/2022. To date, they have completely disregarded the court 's order and continued to try and collect on this account by repeatedly attempting to call me several times per day and by sending my emails every single day without any concern whatsoever that I am in bankruptcy and the LAW forbids them from doing these things during this time. They simply don't care about what the law states that they should do and not do while someone has filed for bankruptcy, obviously. They still do it and up until yesterday, I am still receiving harassing emails from this horrible excuse of a lending institution. Not only have they continued to harrass me and collect on this debt while I am in bankruptcy, but they have now decided to add this account to my Transunion credit report on top of everything else. They added this account just a few days ago and they are reporting it with a balance owed and with several months worth of delinquent payments while I have been in an active bankruptcy as well as reporting it as a delinquent account that is in collections and so on. This was all done just a few days ago and with full knowledge of my bankruptcy status too I might add. They have violated just about every consumer law their is and have also violated every debt collection law too by what they have already done to me while completely ruining my credit report and score as well as keeping me from being able to secure a new place to live because of their negligence, arrogance, and utter disregard to our Federal and State laws as well. To add to this : NOW THEY HAVE ALSO VIOLATED A BANKRUPTCY COURTS ORDER AND ALSO ARE VIOLATING A STAY AS IMPOSED BY THE BANKRUPTCY COURT AS WELL. What I should be doing and most likely will do still is to sue the living daylights out of them in Bankruptcy court and also in Civil court for their negligence and deceitful actions and for the harm in which they have caused me as a result with their actions. This is what I should be doing rather than wasting my time by filing this complaint here because clearly they don't listen or care about our laws and our rights and I have proof of everything that they have done ready to present in court if this isn't resolved within the timeline specified here with the CFPB ( 15 days ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a FHA mortgage, the servicer is PHH Mortgage Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I requested a COVID-19 Forbearance on my mortgage, I was told that I was given a FEMA Forbearance plan. I requested an extension of the FEMA Forbearance plan by email on XX/XX/XXXX and was sent an email on XX/XX/XXXX denying my request for an extension of the FEMA Forbearance plan ( " Please be advised that the account does not qualify for the COVID19 Forbearance Plan due to the account status '' ) because of the status of the loan, and was told by PHH that my FEMA Forbearance plan would not be extended after XXXX XXXX. On XX/XX/2020 I emailed a request to PHH Mortgage to reconsider my request for FHA COVID-19 Forbearance because I have an FHA Mortgage and to reconsider my request for an extention. I was denied. I requested an email with the reason for their denial because based on SEC. 4022. FORECLOSURE MORATORIUM AND CONSUMER 5RIGHT TO REQUEST FORBEARANCE.

13 ( b ) FORBEARANCE. 14 ( 1 ) IN GENERAL.During the covered period, a 15borrower with a Federally backed mortgage loan ex-16periencing a financial hardship due, directly or indi-17rectly, to the COVID19 emergency may request 18forbearance on the Federally backed mortgage loan, 19regardless of delinquency status, It is my position that my request for FHACOVID-19 Forbearance should have been granted. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NE
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 involves XXXX, XXXX and Equifax. The case about debt collection with XXXX XXXX XXXX is in court. The judge dismissed the request for a summary hearing. Yet for the past year these 3 credit report bureaus have been affecting my scores by reporting it as a collections I owe. I dont know if they are higher than the law or the courts in the land. I sent them a copy of the judgement and they still did nothing about it. XXXX did not even bother to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions 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:
XXXX Visa card said that I was 30 days late and STILL late on a payment. I have showed proof of payments etc., and Experian will not help. They do an investigation and I get an email 4 hours later that the investigation is complete.. I highly doubt that. There is no infrastructure to XXXX Visa, so trying to talk to customer service is speaking in a foreign language. Experian does absolutely nothing to help and XXXX Visa will XXXX up your credit. I lost my job due to the pandemic, yet I still paid. Thats more than I can say for what most people did to take advantage of the situation.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
For the last few months I have been disputing this account ( XXXX ), Which i noticed the reporting upon checking my Credit. Back in XXXX when i became aware, this account was reporting as a Charge-off and was sold to XXXX XXXX Also, it was reporting twice on my profile with multiple inconsistence 's. The accounts were also appearing as open after it was charged-off and had different balances reflecting on all three credit bureaus. Every time i sent a dispute, the accounts would come back verified and the " DATE REPORTED '' would come back re-aged as recent which would knock my credit several points and it is also illegal. I pulled my Credit report as of ( XX/XX/22 ) and notice that now XXXX is reporting three different times and show a status of open on some bureaus and closed on another. Its hindering me from establishing Credit so that I can purchase my home. I ask that the Credit bureaus alongside XXXX be held responsible far as making correction to my account.

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 2021-04-13
Company: EQUIFAX, INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

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. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX  XXXX XXXX # XXXX, Account name XXXX XXXX : # XXXX, Account name 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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