BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-27
Company: GreenSky, LLC
State: MI
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:
Recently I contacted Greensky/XXXX  XXXX/XXXX  XXXX XXXX. For months I've been attempting to get this matter of a negative impact of 70 pts ( one year later ) XX/XX/XXXX resolved. This matter has been disputed with XXXX/XXXX/XXXX. The account was closed by grantor XX/XX/XXXX by grantor due to delinquency/non reporting. XX/XX/XXXX creditor reported payment reversal indicated by R03 ( reversal ). The creditor 's payment portal auto-populates my banking information, however on this date it did not, therefore an error on their system. This created late payment notifications, however I was never late until an unforeseen circumstance XX/XX/XXXX. If not for the payment portal issue, the unforeseen circumstance would not have occurred. Greensky continues to hold me accountable for their payment portal error. 

I am requesting that Greensky immediately restore 70 pts to my credit score, report condition as open and correctly report to this account.I have never been late on payments. I continue to make on time payments. 

Representatives indicated that the reasons to close this account, 1 )  purchase window expired/no longer eligible for purchases, and 2 ) late payments. Neither of the reasons makes sense. Opening this account with XXXX XX/XX/XXXX only for home improvement and no other purchases were intended. This account was given to Greensky as a servicing agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have disputed the claim that I missed ( 2 ) two payments back in XX/XX/XXXX to PHH Loan Servicing and they continue to to tell me that I missed the payments. When I discussed thoroughly my payment history which showed no missed payments ; they insisted they are right. I have proven documentation that no payments were missed but yet they are reporting me late and insisting I bring the account up to date now in XX/XX/XXXX. I asked why was this not brought up then, and they respond by reading a script with no answer. This is a foreign operated company who has little information about our laws, state laws, real estate laws, your loan and so forth. But yet has the power to discredit you by the means of your home investment. I have asked for a review and proof of missing payments ; and they send me a copy of the pay history so small I believe it would be a less than 6 font! Since I already had the information to prove other wise ; they failed to acknowledge and insist they are right ( even when I went over the payment history line for line ). I have tried to reach the company by the listed address in NJ, but only get a response from the over seas division of operation who has no clue as to what to do. All they want to do when calling is set up appointment dates to kick the can down the road. This is a major problem, I feel like I am being extorted for my house! I have looked into multiple ways of dealing with this issue and taking advantage of all that's available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My last two CFPB complaints ( XXXX ) were ignored due to the fact that this company believed someone else was making these complaints outside of me, However on XX/XX/2021 I spoke with a customer representative at Experian to verify that I, XXXX XXXX XXXX am indeed making these complaints. 


On XX/XX/2021 I spoke with a representative on behalf of Experian on an item thats been reported on my credit report incorrectly. He then proceeded to say he will open a new dispute however, I have disputed this item several times and every time you have failed to deliver the validation on this item being reported on my report. I asked the representative how did this company verify this item and was told they verified it by word of mouth with no legible information nor documentation provided. This is unacceptable and illegal. Section 611 ( a ) plainly states that a failure to properly investigate any items within 30 days gives a reason to immediately remove them from the credit report. It has been over 45 days since my last dispute so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.

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 2021-11-19
Company: EQUIFAX, INC.
State: NJ
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

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 2023-07-18
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there were days of late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an account that has already been paid. This is the account I want to correct and please assist me : XXXX XXXX XXXX : {$670.00}.

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 2021-12-09
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XXXX I've been trying to get into a loan modification with my mortgage company Mr Cooper also known as nationstar. I have made a number of attempts to make a payment and which they refuse to take less than the amount due. Causing my credit to be heavily affected by all the late charges. Then once XXXX of XXXX hit ( pandemic ) they allowed a forbearance in which I had no money at the time to make a payment and was told that there would be no late charges or no reporting to the credit bureaus which is not accurate. I've noticed that there were a few different charges for inspections etc at about XXXX dollars. Also I had been assisted by government program which paid them {$8000.00} in XX/XX/XXXX and they just turned around, sold my mortgage in XXXX of this year. I was a bit confused because they kept telling me they would not accept any payment amount less than what was owed in which they accepted the {$8000.00} some odd dollars. Now my mortgage is with a new lender that I have no forebance with and my credit destroyed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for the XXXX with Navient and it was approved XX/XX/XXXX and then they made my payment due the very next day XX/XX/XXXX. They didn't even give a chance to check my email before they made me past due in the amount of XXXX. On top of that my previous XXXX plan was not due to be renewed till XX/XX/XXXX so I lost a month of paying XXXX dollars to being past due and late. The only option I was given when I called customer service was to put the XXXX bill in to forbarence. This seem wrong they should of given me time to prepare for this payment not just XXXX hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can you update my address and name on my credit profile.

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 2021-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back on XX/XX/XXXX, I was frauded for {$2500.00} from my Bank of America Bank Account. I did not know and luckily checked the account the next morning on XX/XX/XXXX and saw that a person by the name of XXXX had XXXX themselves {$2500.00} to ( XXXX ) XXXX. I never do big XXXX amounts above a maximum of {$1000.00} which is for my rent and when I looked it up the number is a North Carolina number, I do not know anybody from North Carolina. I reached out to Bank of America and they did the usual and provided me with the stolen funds while they did the investigation. During that time I never got any emails nor any calls to look further into this. So I did, and it turns out the same day XXXX broke a story saying that they had a huge data breach. I tried to tell Bank of America all the things that I am writing down. What they told me was that I was the one who verified the transaction and there is not much I can do. They then took the {$2500.00} which negatived out my bank account as I needed that money to pay for my College/University . I had to take a private loan in order to pay for my school... Now I have a closed bank account due to fraud and a bank account occurring fees as it's in the Negative. I would never do something to mess up my bank account as I have been using Bank of America since I was a Kid and always tried to maintain a great standing with them. I am writing to the CFPB to try to get this resolved as soon as possible as it is the holiday season and Money is getting really tight. Bellow are the links from XXXX themselves that they did not even look into. They told me to present it and then they could look into the incident again. But never did, so I am putting them here. 
I also have Screenshots of the links in case they break or become dated... 
XXXX Data Breach Links : XXXX XXXX XXXX XXXX Data Breach Links 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 2017-11-10
Company: Reverse Mortgage Solutions, Inc.
State: KS
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I have a reverse mortgage with RMS, Reverse Mortgage Solutions, with many addresses, two of which are printed on the monthly statement ( foot of statement address : RMS, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, XXXX ). 
On the XX/XX/XXXX statement ( see attached file ) the finance charge was {$170.00} and the XX/XX/XXXX statement ( see attached file ) finance charge was XXXX, an increase of {$41.00} in interest within 10 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, this creditor has violated my right under 15 USC 1681 section 6 o 2 states. I have the right to privacy 15 USC 1681 section 6 O 4 a section 2. A consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
R was between XXXX to XXXX. I have a line of credit with BOA. They charge me for high interest rates and fees. I feel I was charge more than I have to pay. No one in the branch at this time give me any documents help me to understand By the end I had to do refinance with other bank and close this account, but that cost me a lot

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 2021-11-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I used to have credit card with BOA long time ago but never get a reward for point or cash, add to much fees every statement

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 2021-11-19
Company: EQUIFAX, 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 tried disputing this saying its not mines it doesn't belong to me amd they haven't supplied me proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NY
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 is XXXX 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 explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. DELETE the following accounts below : ( 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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My US DEPARTMENT OF EDUCATION accounts on TRANSUNION have been illegally RE-AGED after Dispute for deletion for INACCURACIES & INCONSISTENT! Account should have been FIRST DATE of Delenquency back in XXXX or XXXX. Account should have been off my Consumer Report. Account begins on XX/XX/XXXX in COLLECTIONS!? DOLA has been changed. 

I did not contact anyone or make payments for months to reopen this destroyed account or give written permissible purpose to furnish US DEPARTMENT OF EDUCATION accounts XXXX & XXXX TRANSUNION

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