BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax continues to report the following, after receiving police reports, notarized disputes, and everything required for removal for the illegal accounts ) : The illegal, fraudulent accounts are :   XXXX   XXXX   XXXX   XXXX   The illegal, fraudulent inquiries that are not covered by fair use are :    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   XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX   &   XXXX   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: EQUIFAX, 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:
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. 

XXXX XXXXXXXX. Account Number : XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX XXXXXXXX XXXX. Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX. XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: MD
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 XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, 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 reporting on my Credit Reports : XXXX XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid US Bank the shortage of escrow of {$1600.00} on XX/XX/XXXX. I had to call back on XX/XX/XXXX because US Bank stated I made an overpayment and refused to apply to my escrow. They stated they will fix it and as of XX/XX/XXXX I had to call again and now US bank stated I did not have enough money to cover the shortage of {$1600.00} even though I paid the exact amount. I have a bank statement that proves I paid in full and a confirmation number. They stated they will send another request form to get it adjusted after this being my 3rd time to get it taken care of. I have been paying {$130.00} more than what I should have for 2 months now. I have been removed from online banking and can not monitor my account because they stated I was in bankruptcy status and lose that luxury. 

In addition, I tried to apply for the COVID-19 Mortgage Relief bill in XXXX in trying to refinance to keep food on the table, and at that point, they said I did not qualify because I was in bankruptcy. US Bank representatives are very rude and disrespectful. When one is in a horrible state and about to lose everything that should not open a door for a representative to laugh at your situation and tell you that US Bank can do whatever they want to. Horrible place and they take advantage of people in hard times.

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 2022-07-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, Account # XXXX and XXXX Bank, 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 non-monetary relief
Consumer complaint received 2017-04-24
Company: PHH Mortgage Services Corporation
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
PHH Mort gage was included in my Chapter  XXXX  Bankruptcy which was discharged   XX/XX/XXXX ..  In   XXXX   XXXX     that mortgage company decided to do a NEW update of the  DLA date  and put a new charge off update. BY LAW THEY ARE NOT TO CONTINUE TO DAMAGE CREDIT AFTER A  DISCHARGED B ANKRUPTCY ... Why after 6 years would they randomly do an update? But it has caused me to lose my financing and earnest money on a property which I WILL hire an attorney to go after them if they do not fix this issue!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This is ridiculous and against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Navient Solutions, LLC.
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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Experian Information Solutions Inc.
State: OH
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:
Starting on XX/XX/2020 i've been sending disputes letters regarding Inaccurate and Unverifiable information on my credit report to the credit bureaus that they're refusing to send proof of documentation of my signed signatures on any application or contracts regarding my credit file. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In results of your investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You 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 you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to Promptly DELETE all information which can not be verified. 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX : 1. 
XXXX Account Number : XXXX Please remove it from my credit report immediately. 

2. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

Experian : 1. 
XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

2. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

XXXX : 1. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

2. 
Account Number : XXXX Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made an overpayment to my Bank of America Account. The amount was supposed to be {$2000.00} but i made it for {$20000.00}. I tried to stop this payment when i realized the mistake and was told by Bank of America that i could not stop it and had to wait until the payment cleared and then request a credit. My account was adjusted ( debited ) on XX/XX/XXXX for a credit back to my original form of payment, and I still do not have this money back into my XXXX XXXX XXXX. 

I have been following up on this every day since XX/XX/XXXX and being told many inconsistent policies by Customer Service and inconsistent dates for when I will have my credit back. 

I was originally told it would take between 5-7 days after I request the credit to receive the money back.

After the 7 days passed, I was told it was 30 days and was told no one should have ever told me 5-7 days. ( At this time i started documenting the days i was calling and what i was being told ). 
Then on XX/XX/XXXX I was told it would be about 2 weeks from that date. 
Then on XX/XX/XXXX I was told I would have it in my account on XX/XX/XXXX. 
Then on XX/XX/XXXX I was told I would have it on XX/XX/XXXX. 
Then on XX/XX/XXXX I was told it was pushed out for review again until XX/XX/XXXX. 
It seems like every time I called it was being pushed out, at least that's what I kept being told. 

I finally reached out to the Corporate team after that and it is now XX/XX/XXXX and I still do not have my money and no one can give me a concrete answer of where my money is and why it has not been credited back to my original account. All I keep being told now is that it is being reviewed by the review department, but no one can contact that department and see exactly where the hold up is. I am beyond outraged that my money is being reviewed for some reason for a decision on wether I am getting it back or not? 

I am beyond stressed and upset about how many phone calls I have had to make so far, calling every day, being on the phone for at least XXXX hour each time, sometimes with 3 Representatives per day and without any resolution. At this point I feel that I am being lied to by everyone at Bank of America that I have talked to, and I need my money back and have no clue of how to get it back. I have followed all their processes.

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 2018-05-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
OCWEN LOAN SERVICING MODFIED MY HOME LOAN, FIRST AND SECOND SEVERAL TIMES OVER A TWO YEAR PERIOD. MY DEBT BALANCE WAS PARTIALLY FORGIVEN IN CONJUCTION WITH THE IMPOSED SANCTIONS AGAINST OCWEN. TODAY, LATE PAYMENT REPORTING IS ON MY CREDIT, AFFECTING ME IN VARIOUS DEGREES. I WISH OCWEN TO REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: TRANSWORLD SYSTEMS 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: Account status incorrect

Complaint:
The company has entered a collection from a landlord during the pandemic. The XXXX form was given to the company regarding the address. There is a debit listed now which is causing a housing issue for future renting. The amount is not correct, the unit could not be used during the time and there were issues with the water which remained unresolved. The unit was unlivable during the pandemic. There was harassment and the landlord entered the unit continuously and there was no way to stay in the unit during the pandemic regardless of there being a rent moratorium. There were issues with the electricity and the landlord was unusually aggressive and argumentative about these issues. There was no stay for the time period which the collection is being made, and there was no drinking water from the faucets, the toilet didn't flush, the lights turned off on their own, there was an electric panel where the lights had been shut off then the landlord or maintenance would enter and unplug things inside the unit. The collection is an illegal collection and no payment arrangement was even offered. The washer dryer in the laundry room was unplugged when clothes were put in it to wash and use was not allowed by the landlord. There were things broken inside the unit and constant harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
in XXXX I changed to Select Port Folio Servicing as my lender. Shortly thereafter, I received a call from the mortgage company stating that due to my excellent pay record I was entitled to a decreased in my mortgage by {$1200.00} if I answered a series of questions appropriately. I then did so and was told I could pay the reduced amount immediately. Several months later I received a letter from the mortgage company stating that my loan was delinquent. I then was given the amount to bring the loan current and I paid this amount. Later I was given forced place insurance because they could not verify my homeowners insurance without adjust. I attempted to modify the loan multiple times and was eventually told that the investor declined my modification. Then later I went to mediation where I was told if I paid XXXX per month the loan would be current. I made this payment for XXXX  months and told that the XXXX th month payment was 1 day late so this agreement was off. However there was not reduction in the amount that the mortgage company stated that I owe despite multiple attempts at paying increased amounts. I requested a payment history but was not sent one as of yet. Now I received a letter today on XXXX XXXX XXXX returning my last month payment and stating that if I do not pay {$150000.00} by XX/XX/XXXX then foreclosure proceedings will start. My interest rate on this loan is 6 % in this day and age where people have 1 and 2 % interest rates. Select Port Folio Servicing is a predatory lender who is trying to steal my primary residence from me. Please Help!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Waterfall Revenue Group
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was my er and bospital bill that was not billed to my insurance correctly. 
After contacting my insurance rep bill was paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Professional Receivables Network
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX indicates he has a file on his desk about me, has left messages threatened to file adverse action against me. I have no knowledge or received documentation regarding " the file '' XXXX XXXX represents Sage Capital Recovery XXXX Ext XXXX He contacted me several times this week at work. 
Today XX/XX/19 I called him back, asked him to refrain from calling or leaving messages at my work place. I stated my name and repeated twice to stop calling my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Navient Solutions, 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 status incorrect

Complaint:
I applied for a credit line increase or loan to pay down an existing credit line at a lower interest rate on XX/XX/2020 and was denied both because in my XXXX credit report, Navient had reported the periods of pandemic relief as delinquency. I contacted my XXXX XXXX account services by phone and was told this was the reason I wasnt approved. The person I spoke to was ignorant about pandemic relief for student loans through President Trumps Executive Order. I told them that adversely impacting credit scores during the pandemic was wrong. 

Navient has a history of wrong doing and has continued to harass people with student loans during the pandemic. Navient was sued by CA, Washington and Illinois for pilfering and bamboozling XXXX XXXX dollars on excessive interest fees and late charges from people with student loans. Ive been getting harassing phone calls since mid XXXX from them because they dont recognize Trumps executive order as lawful. I cant change what Navient reports to XXXX through XXXX and have complained to XXXX through customer surveys after requesting my credit report from them. Ive received text SMS messages from non listed phone numbers that are telling me my credit has been approved or increased after complaining to XXXX ( an illegitimate attempt to imply my credit report has been fixed ). Navient is approved by the IRS as a fiduciary but I dont believe theyre acting like one. Theyre acting more like a predatory lender of student loans and now its impacting my credit report/score so I cant have more of a financial cushion during the pandemic. How can I fix this issue when the people who have the reports, like XXXX, wont recognize the lender as a non fiduciary impacting peoples credit scores? My own bank says that they dont have anyone that can override XXXX reports on the decision to increase credit or give a low interest loan to pay off credit. I think this is totally unfair, illegal on Navients part and detrimental to peoples financial well being during difficult financial times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Mr. Cooper Group Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home on XX/XX/XXXX and on XX/XX/XXXX of XXXX my loan was transferred to Mr. Cooper for servicing. On XX/XX/XXXX a letter was sent informing me that my insurance coverage was insufficient and that a policy would be purchased on my behalf. Beings that Mr. Cooper is impossible to reach by phone I submitted a inquiry online, through the insurance web site provided and e-mailed a copy of my declaration page. According to their record my insurance policy term was from XX/XX/XXXX to XX/XX/XXXX of XXXX and my insurance was expired. I didn't even own the home during this period and my insurance coverage actually began 7 days prior to actually closing on the home. I have sent in the information on several occasions and have now received notice that forced placed insurance will be purchased due to compliance. I haven't even made my first payment on this loan to Mr. Cooper and they already can't keep accurate records. I also haven't owned the home even 30 days nor has my insurance coverage changed or been cancelled. This also includes that my first year premium was paid on my homeowners policy at closing.

Company response to consumer: Closed with explanation