BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a paid judgment of my credit report in the amount of {$1200.00} dated   X/14 . I ha ve mailed copies to all  XXXX  credit bureaus (  XXXX , Experian and  XXXX   XXXX  showing proof that I won this case back in    2014 I b elieve. They only show it being paid and have not removed from my report. It clearly states in the final judgement  " Counter Claim Offset '' so Im not sure why this is listed on my credit report and I would like this information to be removed because it is affecting my credit score although is paid.

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 2022-08-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are names that are on my credit report jobs that I have not worked at also phone numbers that do not belong to me I had fraud done to me so I would like to have the names and addresses and phones removed from my account. I have sent the proper paper work in before and not action have been taking My name is XXXX XXXX XXXX and my address is XXXXXXXX XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Ga XXXX I'm employed at XXXX XXXX and XXXX XXXX XXXX ga XXXX so can I please have the extra names and address removed from my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: IL
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 the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax Dispute for credit score being too low. 
Response XX/XX/02 after investigation insufficient Report by Equifax generated for credit limit off by {$19000.00}. Using a " high limit '' amount only of {$6000.00} vs. {$25000.00} for mortgage loan. As such the Credit Utilization Ratio CUR ( ALL accrued debt divided by ALL available credit ) is higher. CUR being 30 % of score, this negatively impacts my score. Want report to compute using my actual credit limit as stipulated and confirmed by my lender. It is a line-of-credit available based on home equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX XXXX sent me a letter stating that. " The disputed item ( s ) was removed from your credit report. '' Credit went up 29 points. On XX/XX/XXXX XXXX sent letter stating account ( s ) belong to me. In the amount of {$470.00} from XXXX XXXX I first disputed in XX/XX/XXXX. I spoke with the company that I have NEVER been to New Jersey and I have proof around the time the account was open I was here in Georgia. Today XX/XX/XXXX my score dropped 7 points for false remarks from consumer which is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On  X/XX/2017    a complete Loss mitigation package was submitted to the lender - On  XX/XX/2017    the package was denied review due to a sale date being 9 days away. The loan modification package was then sent to the lender again on  X/X/17    - The sale date was postponed until  X/X/17    - again on  X/XX/17    we were advised the package was not received so it was refaxed again for review - We feel that the lender is still refusing to review this clients file and docs being submitted since they were received initially on  X/X/17    and denied due to a sale date - the lender has failed to evaluate this borrower for all loss mitigation options available in violation of Regulatio n X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Public record information inaccurate

Complaint:
I sent a letter on XX/XX/2022 and XX/XX/2022, in which I followed up on the public records status of bankruptcy, which is reporting inaccurately. In my letter, which is in accordance with the Fair Credit Reporting Act, section 609, I requested that you either remove the bankruptcy or send me ALL the following : 1. Method of Bankruptcy verification 2. Filing Date 3. Court name and person who provided the verification 4. Copy of the petition As of this date, the two responses, I have received, you have not validated nor provided me with any information requested, in the timely manner, therefore, in accordance with the FCRA, you are required by law to remove the reporting! I have also provided a copy of the letter provided from the Bankruptcy court themselves confirming that they do not furnish any information to any agency, of any kind. If any agency is to obtain that information, its at their own discretion, but it must in fact be true AND accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: M&T BANK CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In  XXXX  M  & T Bank sent a letter claiming that the information in my file was out of date. How do they know it 's out of date? They required me to place a phone call to update my data ( which may not actually be out of date ). I find it inconvenient to contact call centers, so I took no action. How does M & T even know I have a phone that can place outbound calls? M & T did not state what information they believed was out of date, and did not give a convenient mechanism for me to verify the information. It 's unreasonable for M & T to spontaneously force customers to jump through inconvenient hoops in such an unsolicited manner. VOIP services charge a measured rate, even when dialing toll-free numbers. M & T m ade an unreasonable assumption that I had a phone that could make outbound calls, and also that the phone service would not cost me anything to place the cal l. M & T c losed my account in  XXXX  apparently for opting not to deal with their call center. They should have mailed me the information they suspec t may be out of date, and provided a prepaid envelope for which to reply.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXX 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 XXXXXX/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 2022-08-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2022 my ID, debit card, phone and 2- credit cards were stolen by force from three individuals. I reported this to the police and bank in less then 24 hrs. The thieves hacked into my Wells Fargo bank account and used XXXX to make a {$1500.00} transfer and a {$2000.00} transfer to themselves totaling {$3500.00}. My bank has declined my claim of illegally activity claiming the transactions were authorized.

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 2018-12-18
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was in the process of applying for a forbearance with American Education Services ( AES ). During the application process, my loans went into default before my forbearance went through. Immediately after my loans went into forbearance, I requested that AES repurchase my loans ( within the 30 day grace period ). AES made no attempt to repurchase my loans. Instead, they asked that I fill out another forbearance request, which they then denied since they no longer serviced my loans. I believe that AES made no effort to assist with my financial hardship and instead allowed these loans to go into default without notifying me of my options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: Happy Money, Inc.
State: IL
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 filed a dispute with XXXX about my credit report reflecting erroneous data. I received a loan from a company called Payoff. This loan was paid off in XXXX. This company has been reporting my loan as delinquent for the past 2 months when I paid it off in XXXX. I filed a dispute with the credit bureaus and the report was updated for everyone except XXXX. My XXXX report reflects the account is currently charged off with a past due balance of {$1400.00} and there is no close date. I deserve to have my credit report accurately reflect the correct status for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My report is locked and unable to unlock it. Have spoken to several representatives and my report is locked. This is preventing me from getting approved for credit. Need my report to be unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to modify my mortgage with Ocwen Loan servicing for several years on and off. We claimed Chapter XXXX  bankruptcy back in XX/XX/XXXX, and have never been late or missed one payment on the bankruptcy plan. We did not include the mortgage in the Bankruptcy. During that period, I have had many issues with Ocwen. I had some times of late payments, but in the last two years have paid every single month. We received authorization from the court and my attorney to modify, and provided all the paperwork to Ocwen to allow them to modify the loan in XX/XX/XXXX.-The payments have not been tracked properly by them.-During several attempts to modify, they would put me on a pre-modification plan. They most recent was initiated in XX/XX/XXXX, I signed all the necessary paperwork, sent the paperwork via email, and also paper copy with the first payment one month earlier than due via priority mail and made every "trail modification payment" earlier than the due date. In XXXX, I received notice that all the sudden I was declined due to not signing a second document that they claim they sent me in XXXX. I am 100% sure that I never received that document. So now, at their mercy again, they are starting the whole thing over, sending a statement that I have to pay a balloon payment of over $8000, and saying I can try to modify again.- They took all the payments I made during the trail modification plan and reversed the dates and dated them all for XX/XX/XXXX, saying they are "Suspense" payment.- I called today, XX/XX/XXXX and had a schedule appointment with one of the relationship managers, and she said they had no record of the attorney allowing consent. When I pushed and said I mailed it , she said oh yes we do have it, I will have to send it to review and you can call back again. ( Every time I call I am on hold for several hours, yes hours)-They cut off my ability to pay online, so I was forced to mail the payment, because I know how they operate, I sent my payment prior to the due date via priority mail several times, so I had tracking. I have record that it got there prior to the due date multiple times and the payment was held well past the due date before they deposited it.-Every time I call there is a language barrier, and I have to repeat myself several times.They often disconnect me, and say that I will have to reschedule a call, sometimes not being for weeks away.- I have never had a conversation where I feel like I am being heard or clearly understood by them, it always a repeat of steps that always end up getting back to where I started with no resolve. I am aware that I am not alone with these issues with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: ENOVA INTERNATIONAL, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX my loan with Net Credit was funded in the amount of {$5600.00}. My loan was initially issued on a bi-weekly repayment schedule. After my loan was issued, I advised that I was paid semi-monthly and asked if my loan could be re-amortized to a semi-monthly repayment schedule. Net Credit agreed and I have been paying my loan based on the semi-monthly schedule since that time. No where in my loan agreement or in any communication with Net Credit was I made aware that my loan payments would not start paying on the principle balance until XX/XX/XXXX. That is over two full years of payments at {$220.00} twice a month that goes to nothing but interest. I recently went into my online account to look at my balance as I wanted to see if I could pay the loan off. To my surprise, as of today, XX/XX/XXXX, my loan balance {$5400.00} meaning of the over {$7000.00} I have paid so far only {$190.00} has been applied to principal. I also will be submitting an attachment to show that my initial amortization schedule based on the bi-weekly repayment terms fully amortized the loan with principal and interest from each payment however when they re-amortized my loan to the semi-monthly schedule the payment allocation changed to what I described earlier. This, in my view, is not only unfair in that I need to wait until XXXX of XXXX before I start paying principle from my scheduled payments but also deceptive in that this amortization schedule change was not explained to me and was not part of my original loan terms that I agreed to. You could make a case for abusive as well considering I am essentially stuck in this loan until Net Credit has received all of the interest due to be collected over the full term of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
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:
I mailed in letters before XX/XX/2021 asking XXXX, XXXX and Equifax who they validated a bankruptcy that is reporting on my credit file. None of them sent a letter back with the answer, so I called all three and they all said they validated the information from the US bankruptcy court and XXXX. I reached out to XXXX and the US court. The court sent a letter back to me stating they don't validate this information nor do they work with the credit bureaus. XXXX sent me a letter back stating it was removed and its not on their credit file. I sent in dispute letters to XXXX, XXXX and Equifax showing them that they could not have validated this information because its not on XXXX report and the us court does not validate this information so there for it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Financial Credit Service, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I got a call from a company called Asset Recovery Associates or  ARA c laiming that in  XXXX  i opened a credit card with a company called Express and i stooped paying them in  XXXX , the original amount was {$5000.00} with interest and fess its {$15000.00}, but they are willing to take to original amount of {$5000.00}, i told them to give me 24 hours to make sure i owe the money or come up with the money, the response was  u need to pay  us {$1500.00} over the phone today or we will put a lean on your house, i asked for explanation, i Called The FBI and they recommended to file a scam report with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
I am in the process of selling my home. I am seeking a LIEN RELEASE. In XXXX GMAC MORTGAGE granted a home equity line of credit of {$74000.00}, in my former martial surname of XXXX. GMAC is now defunct ( XXXX ). GMAC sold out to OCWEN who sold to XXXX, who lastly sold loan to PHH MORTG. None of these companies has ever reached out to me with any correspondence/billing statements. I have contacted PHH MORTG several times via phone to no avail. PHH MORTG says they have to record of my loan originating from GMAC. I have also inquired into XXXX XXXX XXXX 's office to get information on who bought loan, also to no avail. All I want is to get a lien release to resolve this matter as quickly as possible. All these mortgage companies selling loans and NOT keeping records has made it next to impossible to find the company who now has the loan.. PLEASE HELP ME. Thank you.

Company response to consumer: Closed with explanation