BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have recently been informed that Equifax maintain a Tax Lien in their file under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing in the amount of {$31000.00}. 

XXXX County Recorder Case # XXXX does not report Tax Lien to credit bureaus. The New Credit law inXX/XX/XXXX says that federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again XXXX County Recorder does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Equifax, XXXX, XXXX has found information on Tax Lien through third party research. 

Transunion and Experian have already removed this from their file so I sent 2 certified letters XX/XX/XXXX and XX/XX/XXXX to Equifax since they are the only one showing this Tax Lien to validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a reply back from Equifax that it was validated by XXXX in which I never received anything of the such. So I sent them another certified letter again this time one to Equifax and one to XXXX requesting my signature to validate this information. This time Equifax sent me a Reinvestigation letter stating that XXXX XXXX XXXX is currently not reporting on the Equifax file. So not true, I requested another credit report and it was still there as of today. I did not get any results from the credit bureaus which has brought me to file this complaint. I will also be filing today XX/XX/XXXX with the Attorney General Office and the Better Business Bureau. This need to be deleted off of my record immediately as it is affecting my credit scores. I also sent them a copy of the New Credit Law where all the bureaus agree to delete all tax lien and judgements off of credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: PLANET HOME LENDING, LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am coapplicant with exhusband on a home loan that we had obtained when we were married. There has never been a payment missed since we had the loan in 2008. My exhusband fiked bankrupcy an upon my notification of the bankruptcy Planet home lending would not take a payment from me nor allow me to make payments online or via phone automated systems. Planet wouldnt even send me a statement. I spoke to bankruptcy department many times an was advised that because they received notification of bankruptcy that I needed to talk to my lawyer in ref the account because they couldnt. After multiple failed attempts I finally got a hold of a mortgage counselor who was able to help me an apologized for what i was being told by other representatives. I was able to finally make payments an get account up to date. I was told by the mortgage counselor that i should not get a late payment an if i do to call back an they would submit to remove it. When I called back inwas told that if inwould have made the payment 2 days earlier it would not have reflected as late, but as i explained ine i couldnt an 2 i had to physically speak to someone to do it an they were closed on weekend an the XXXX fell on a Sunday.But Planet home lending still reported on my credit report as being late for the month of XXXX and XXXX when it shouldnt have because if i have no way to make a payment because they are closed an my due date falls on a Sunday they cant mark it as late because i couldnt use automated system it had to be with live representative.I am XXXX XXXX military an this late payment not only affects my security clearance but it also it affects my borrowing ability. I have never missed a payment ever an this one was clearly an error caused by the confusion of my exhusbands chapter XXXX bankruptcy. I contacted Planet hone lending an asked to speak with supervisor an was told that one would call me but never did. I also spoke with a rep an they said planet home lendings credit department stated that planet home lending did nothing wrong. I am not trying to say planet home lending is a bad company because they are not an they have taken care if me as a customer an thats why I have stayed with them for so many years. I just think that this was bad miscommunication due to the confusion of the bankruptcy an XXXX people being on loan where one did not file bankruptcy is complicated an I just hope an pray that planet home lending will continue to take care of me by fixing this critical error that could cause me my XXXX year career as an XXXX. I have reached out for a member of coporate to contact me via telephone annthey have not. I got a letter in mail but it does not include all details ... XXXX they left out calls to mortgage counselor an bankruptcy department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Experian Information Solutions 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 do not have any debt or mail going to : XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX This is not mine. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
this is fraud i do not know these people and the situation ... its fraud ask for any document ... their are none ... i do not sign papers nor i do not know these people

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also a consumer reporting agency can not furnish my account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is a complaint against SLS ( Specialized Loan Servicing ). 

I am refinancing a house in XXXX XXXX XXXX with my father. The mortgage is less than XXXX years old. Our current lender is Specialized Loan Servicing, otherwise known as SLS. We are refinancing using XXXX bank. 

The process began with XXXX bank at around XX/XX/XXXX. By XX/XX/XXXX, we had written a check to the law office representing SLS to kickoff the XXXX process. 

XXXX 's law office had estimated the process to take XXXX weeks. I check back with XXXX 's law office on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They informed me that they have been checking with SLS ( and their law office ) regularly and that the only information they have is that SLS is still working on getting the collateral documents. 

By XX/XX/XXXX I had already extended my rate lock-in with XXXX once. I directly call SLS at XXXX, but the customer service representative didn't have much information for me. They referred me to call XXXX Mortgage instead. XXXX  could only tell me that they have requested the files from their external custodian and there is no estimated time they can give me of when it will complete. 

On XX/XX/XXXX, XXXX 's law office CCs me on their email exchange with the law office representing SLS. I can see XXXX 's law office had been frequently requesting updates from them. From that day til now, XX/XX/XXXX, the only thing they have told us is that they are still working on the files and we will get it when it's ready. There were zero estimations, and zero status updates on their progress. 

With interest rates rising, I have to keep extending my rate lock-in with XXXX. This is costly. The lack of transparency and slow pace from SLS in the last 3 months, has cause me distress and increased risk in my refinance.

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 2023-07-26
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my credit card account with TD Bank but companies were able to continue charging my account even after my account had been closed. 
I was also not given any statement and was notified by mail that my account ( that I had closed months prior ) was overdue. Therefore, there was no way for me to know that these charges were continuing to be made to my account. 
With any of my prior credit owned and closed, I have never had a credit card company continue to allow charges on an account that had been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/21, I was shown and applied for an apartment at XXXX XXXX XXXX XXXX, Application ID : XXXX. I never received a notice of denial nor a specific reason for denial. Pursuant to The FCRA 615 ( b ) : " Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of 72 615 - 15 U.S.C. 1681m living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer. '' At this time, I am exercising my right and I demand to know the specific reasons why I was denied tenancy for this apartment. The company 's negligence in providing me with this information has caused mental anguish as well as depletion of funding needed to pay for housing as they assessed an {$85.00} fee but failed to provide me with the details mentioned in this complaint.

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 2022-02-28
Company: The Outsource Group, Inc
State: AL
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:
For years I have been a victim of Identity theft. Ive had over 30 fake collections apply to my credit along with insurance with logging into my online bank to pay bills because of hacking and inaccurately displayed information.

Please contact in regards to the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning My name is XXXX XXXX XXXX. I have a mortgage with Banco Popular de PR number XXXX. The investor according to XXXX is XXXX Bank. 
I need your help as I have run out of moratorium to make late payments. I wish to be allowed more options of these payments such as modifying mortgage payments and that the amount in arrears is allowed to be put at the end of my mortgage. 
I have tried on multiple occasions to communicate with the BPPR, but they tell me that the investor XXXX bank does not give other options. They always tell me NO. They can only give me the option of payment plan. I don't want to lose or sell my house because I wouldn't have anywhere else to live. I am a person who lost his job due to the covid 19 pandemic in the year XXXX. And I was able to get a job again in XXXX. 
I am an old and sick person. In order to keep my accounts up to date I had to work overtime. I have been hospitalized 3 times in XXXX. I am tired, stressed, depressed and without any help in solving this problem. 
I feel like they're not offering me all the opportunities that have been offered to thousands of people. I have communicated on multiple occasions, but they do not really help me and what they do is send me in multiple addresses and then realize that I do not reach any solution to my problem. 
I have called legal services of XXXX XXXX XXXX XXXX XXXX. XXXX lost and mitigation XXXX, or XXXX, XXXX XXXX, XXXX XXXX Since XX/XX/XXXX. Other Numbers that I called is lost and mitigation of XXXX Bank XXXX XXXX and they said there is no mortgage or information regarding myself appear on their records. 
Please help. My email is XXXX, my number XXXX. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today I reached out to TransUnion due to me looking over my latest credit report from this particular bureau. The reason being is because I noticed XXXX hard inquiries that I did not authorize. When I was connected to a young man in the dispute department about my concerns. Instead of him asking for more detailed and personal information the customer service rep tries to push me to the idea of calling a company by the name of XXXX XXXX XXXX. The young man states that I should take advantage of the XXXX XXXX XXXX special deal for {$99.00} I could not believe that he was more focused on pushing me to call XXXX XXXX XXXX instead of helping me with the following inquiries that I have no knowledge about - 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and 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 non-monetary relief
Consumer complaint received 2018-09-18
Company: ID Analytics, Inc.
State: AL
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:
Received letter dated XX/XX/18 from XXXX XXXX XXXX stating credit score of XXXX from XXXX. I havent applied for any service from XXXX XXXX XXXX and have excellent credit. I keep a freeze on my credit from 3 main agencies since all social security numbers were compromised in XXXX XXXX a few years ago. Why did my credit get run without me applying for something? I cant get any answers from phone calls attempted. Also, address is incorrect on letter.

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 2022-10-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 explanation
Consumer complaint received 2018-02-09
Company: Bull City Financial Solutions, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company is reporting on my credit file, not once has the company sent me a letter about the debt. I was and I am not aware of any debt owed to this company. The amount is for XX/XX/XXXX {$120.00} for XXXX XXXX and for {$590.00} for a debt in XX/XX/XXXX this is fraud, I have never received a letter informing about a bill. I have contacted XXXX and was advised XX/XX/XXXX they have nothing for me at all and during this time the company was called progress energy and they can not locate a file for me for XX/XX/XXXX. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I have also research the company and they do not have license to collect in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: WELLS FARGO & COMPANY
State: OR
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX as part of a bankruptcy i reaffirmed my vehicle which was a XXXX XXXX XXXX. I made all payments for 7 years with no late payments. My son was the borrower and I was a co borrower. My son never filed bankruptcy, I was never notified that all evidence of my auto loan for the last 7 years would suddenly be wiped off my credit report. I was told that it was because it was affected by my bankruptcy, but it was not. The car was payed off in XXXX of XXXX and still was not told by anyone that my credit would be removed. A news station reported that millions of car, home and personal loans were being terminated by Wells Fargo and consumers have seen positive credit removed by them as well. This is not accurate or fair reporting of my credit history. Yes I filed bankruptcy but not on them and I am already being financially punished for ten years, however all my credit good and bad should be reported. You can better believe that if I had missed some payments it would have stayed on my report. All I am asking for is the credit I established, earned and payed for be accurately reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XX/XX/XXXX taxes which are escrowed were not paid according to my legal signed wishes. I was told i didn't send in my Wisconsin Escrow Option, which in essence was signed during my closing on XX/XX/XXXX. After I contacted them after realizing I had not received a receipt like I normally do that is what I was told. I was then told to send in my copy of the document, which they should have had on file, it was part of my closing documents, everything else got updated accordingly, my mortgage statements come and get paid. I did that and send it to the research department. I did that and I received a letter dated XX/XX/19 stating that they did not receive a copy in time and they defaulted me to option 3, which states : The Lender will pay the property taxes when due from my escrow account. I selected option 2 : The Lender will pay the property taxes from my escrow account by by XX/XX/XXXX ... with other parameters to do so. My document is legal and binding just as every other document that I signed to refinance my loan, I feel just we are sorry you are not happy with your experience is not enough. I feel they are very callous and really unconcerned, still didn't opt to my chosen option even after providing them with the document they should have had on file. I had to call in to find out no, they didn't do anything to get the payment in and also had chose still the default option. The customer service rep updated to my option 2, upon me calling me. This is unacceptable and I want it reported, I have to suffer for my XX/XX/XXXX non payment of property taxes for filing my XX/XX/XXXX taxes now ...

Company response to consumer: Closed with explanation