BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 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 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 2023-05-04
Company: Academy Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage loan number XXXX was obtained in XX/XX/XXXX. I made my first payment XX/XX/XXXX. I have paid monthly until the payment I set up for XX/XX/XXXX would not be accepted at the previous address in XXXX, XXXX. The letter telling me not to send any checks to XXXX arrived on XX/XX/XXXX with a new loan number XXXX. I had to put a stop payment on that check and issued another payment to the address I was given in XXXX, NJ. I sent a payment to the new address on XX/XX/XXXX. On XX/XX/XXXX, I received notice from my bank 's Bill Pay that the payment had been rejected. After calling both the old loan processing center and the new processing center i was told the new center would not accept a payment until XX/XX/XXXX. That makes no sense and just allows them to collect more interest and more late penalties. After insisting that I needed a place to send my payment I was given a po box in LA and told to mail a hand written check with the new loan number on it to the po box . I will put a check in the mail. I have no payment coupon and it will not arrive on time. The mortgage company can then collect more interest on the outstanding balance which I am trying to reduce to 0 as soon as possible. This seems like a scam. I have tried my best and spent over 2 hours on the phone with them. It seems like they didn't have the transition in place before sending the letter to change my loan number and payment address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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: Information belongs to someone else

Complaint:
There are 6 Loans on my equifax that do not belong to me these need to be removed I have reached out to the bureau and the funrisher and they have not responded back. I need to know why this is still on my credit report and how this can be removed. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: BANCO POPULAR DE PUERTO RICO
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I received a notification from my credit monitoring service that my BPOP credit card was in settled status. I had no idea what it meant and I was slowly paying off their credit card. Once I learned its a negative status I called BPOP at XXXX ( XXXX ) XXXX on XX/XX/XXXX, where I was told that the account is closed and that I should call XXXX. Note, on the website the account still shows as open and active. 

I called XXXX and eventually talked to a supervisor XXXX, who said a notice to me they have a record of a notice being sent and that account was closed a year ago. I never received that notification so I am not even sure if I was paying on a closed account all that time, but the settlement notification did not show up on my report until XX/XX/XXXX. I never received a letter or a call from anyone so I could not even attempt to resolve this item going into 'settled ' status by simply paying it off. I certainly did not know the account was closed for that long. 

When I pointed it out XXXX said there is nothing they could do and gave me a phone number to another 3rd party ( XXXX ). I did indicate that she is forcing me to call multiple agencies and whether there is really nothing else, they can do. She said no. 

To add additional wrinkle to all this, after a call got disconnected, I called back to get the remaining details on the account ( date closed, amount owed and date the notice was sent ). A different representative ( not XXXX ) indicated that the account was closed XX/XX/XXXX, amount owed was {$1400.00} and notice was sent XX/XX/XXXX. Needless to say, I noted the discrepancy in dates ( recent closure and notice ) provided by XXXX and requested to speak with XXXX again, but she was in a meeting already according to the representative I was talking at the time ( XXXX XXXX ). 

Something clearly went wrong, but I am not even sure what or who is to be blamed for this issue. More annoyingly, no one seems to know exactly what happened. I keep getting a run around and the information provided by different representatives is contradictory so I am not even sure who to trust in terms of information. All I know for sure is : I got a ding on my credit report and it was a surprise, because the amount I thought was a balance on credit card is now a 'settled ' balance. I did not settle with BPOP ( BPPR ) and I did not receive appropriate notification from them. I did not even receive a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2021-03-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Penny Mac is refusing to remove my PMI and finding various reasons to do so.

I have repeatedly asked for this to happen based on the fact that my ltv based on current market is way above what is required to remove PMI.

Penny Mac continues to hold me XXXX. 

I paid for an independent appraisal last year And they held my money and now just returned to me without any comments for the reason. Nor with any interest for keeping it. 


They have stated that I had a late payment for more than 30 days and that was not accurate. I called them and they informed me that was not the case. 

They said they would do an appraisal and during Covid I requested a drive by and not internal and they took {$150.00} and just now returned the {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: IL
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.

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
Consumer complaint received 2023-06-09
Company: Williams, Rush & Associates, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
today XX/XX/23 around XXXX CT i was called from william rush debt collector and a woman called and automatically started trying to verify personal information which i told her i did not feel safe giving that information without knowing why she was calling and what company she is calling from. she stated well if you let me speak which i was and i was not rude and even calmly explained that i was and i restated i did not feel safe giving personal information without knowing what company she works for that and that's when she stated that i will just let them know to continue with their complaint and hung up on me. it wasn't till i called the number back at XXXX that the person who answered stated i was calling Williams Rush & Associates LLC and when i spoke that i was just called the line was disconnected again.

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 2020-01-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23
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:
Child support enforcement I have disputed this erroneous child support account from account. Credit Bureaus and original creditor declines to take it remove it even with documentation sent to them from the court. This has hurt my ability to obtain credit and they assigning the dispute as verified without looking at documentation. I never owed this date. I went to court with lawyer, judge dismissed case and ordered records purged. They keep marking account as verified when it's not.

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 2021-12-17
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a " replacement '' Visa debit card in the mail, which looked like a real replacement card until I realized it had no bank info, the chip was just painted on, etc. I was supposed to call XXXX to activate the card, which I did not do. The envelope contained a " Checkwriting, ACH and Debit Card Services Agreement : Terms and Conditions '' printout, which cites " BNY Mellon '' as the overseeing company. The return address on the envelope is XXXX XXXX XXXX, XXXX, NE XXXX. ( My wife wrote " Visa debit card? '' on the envelope when she was sorting our mail. ) The " debit card '' is not plastic, it's just hard cardboard, but it's a good fake- if I hadn't been paying attention I could easily have been fooled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Sometime in XX/XX/XXXX, my wife and I went into mortgage forbearance under the Cares Act of 2020. Our Mortgage Company, XXXX XXXXXX/XX/XXXX automatically granted us 3 months of forbearance. We extended it by another 3 months before XX/XX/XXXX and were scheduled to end our forbearance at the end of XX/XX/XXXX. 

Sometime in XXXX, I called my mortgage servicer, Phh Mortgage Services, to see the steps I needed to take to transition smoothly from a mortgage forbearance back into a regular mortgage and was told we would be put through a loan modification process that would involve 3 trial payments of {$2100.00} each for three months starting XX/XX/XXXX. 

We made all payments on time and in full with no problems but now we have a few issues with PHH Mortgage Services that they seem unable or unwilling to resolve. 

1. Sometime between XXXX and XX/XX/XXXX PHH Mortgage Sevices reported our mortgage loan account as being in default to credit reporting agencies. This affected the credit scores of both my wife and myself in a big way. 

2. The modified loan term that was sent to us increases our principal from its original amount by adding accrued interest over the period we were in forbearance. Escrow fees were also added. This increases our loan balance from {$360000.00} to {$360000.00}. 

3. Our interest rate was increased under the new terms from 3.125 % to 3.25 % 4. It is indicated in the terms that after we sign, there will be more fees, costs, or corporate advances that will be added to our loan. 

5. We have till XX/XX/XXXX to agree to these new and completely illegal terms under the Cares Act of 2020, or else we will not be able to get a loan modification. 

Basically, The terms from PHH Mortgage Services take my mortgage from a balance of {$360000.00}, an interest rate of 3.125 % with 29 years worth of payments left to a balance of {$360000.00}, an interest rate of 3.25 % with 30 years left to go. All payments made previously have been completely wiped out. With severely damaged credit done by PHH Mortgage Services so I am not even able to get better terms from someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 
If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: TX
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 contacted a third party entity called XXXX also known as XXXX in early XXXX of 2023 due to incorrect data they are falsely advertising and selling to the credit bureau Experian of me. 

The name of the person I spoke to is XXXX XXXX and I dont know what his person. She falsely indicated my address, she refused to disclose the fraudulent information that was in the files of XXXX, a company that does rental screening etc. I never lived at the place they are reporting to Experian. My ID, social and money and other things were stolen from my purse and I have alerted all credit bureaus to include a fraud alert on my credit and I keep it frozen. XXXX XXXX and Experian are falsely accusing me of a debt that does not belong to me. They are have wrong address and other data of me incorrectly. I am in process of filing a lawsuit against Experian and XXXX. I have asked both of these companies to send me a notarized contract or legal agreement with my signature as well as a copy of my ID and other verifiable information of who can prove that this alleged debt from a XXXX company even exist. This is fraud and a XXXX system that these third party companies keep trying to manipulate and cause hardship on people of XXXX. Its against FCRA laws to reinsert an alleged debt that has not been verified back into a consumer files. Experian has also investigated and removed this allegation from my credit. This alleged debt was six or seven years ago when I found out my information was as stolen. I never lived there. XXXX XXXX said she couldnt provide any information on this alleged debt so how can you falsely accused someone of a debt you can not prove. I am a homeowner and I have good credit. These XXXX third party companies are XXXX biased and trying to keep people of XXXX XXXX and keep them in debt. XXXX member number is XXXX XXXX and she called me and lied and said my file was going to be unfrozen so she can exploit fraudulent debt. I never lived at a XXXX address. Never in my life.

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 2021-12-17
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I 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 30 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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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