BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-20
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/XXXX, my equity position is greater than 22 %. 

My Mortgage Lender, Ocwen Loan Servicing LLC, has not released me from PMI, despite an XX/XX/XXXX written request for : a ) immediate termination of PMI, and b ) refund of PMI fees incurred since XX/XX/XXXX. 

In response to my letter of XX/XX/XXXX, Ocwen sent me a letter stating that PMI is " scheduled to auto termination ... on XX/XX/XXXX. '' Please note that per the amortization schedule ( provided by Ocwen ) PMI is scheduled to auto terminate on XX/XX/XXXX. However, I have purposefully overpaid my principle for the express purpose of PMI release.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 HAVE FRAUDULENT ADDRESSES AND ACCOUNTS ON MY CREDIT REPORT. I HAVE SENT INFORMATION IN TO THE CREDIT BUREAUS WITH MY POLICE REPORT AND ALL OF MY VERIFYING INFORMATION WITH THE NAMED ACCOUNTS. XXXX, XXXX AND TRANSUNION WILL NOT REMOVE ALL OF THE FRAUDULENT ACCOUNTS. I HAVE SENT THE POLICE REPORT TO ALL XXXX BUREAUS THE POLICE REPORT NUMBER IS 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 2018-06-19
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:
On XX/XX/XXXX I place a Fraud Freeze on my Equifax Credit Report due to Unauthorize inquiry and 2 account that appear on my credit due to identity theft. Every since I place this Freeze on my account on XX/XX/XXXX The information that was Blocked couple years ago was suppose to be block or deleted per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act has decided to reappeared on my credit with Equifax ONLY as they seem to not obey the consumer laws of the fair credit reporting act. There are also other account that I have been disputing due to identity theft for months now seem to still remain on my credit for something I did not do. I also spoke to the Equifax Mix department and Fraud Department regarding theses accounts and can not seem to block it and now because of the Freeze everything that was block came back on my credit file. Equifax seem to be unorganized and really playing with my credit report. Hopefully they are not doing this to others, But if the are I assume the CFPB will investigate this unethical law breaking company called Equifax. All my other Credit Reports, XXXX and XXXX are show my accurate information. 
Thank you I recently filed another dispute again as of XX/XX/XXXX confirmation number with Equifax is : XXXX Fraudulent Information are as follow : 1.XXXX XXXX XXXXe 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX acct : XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX there are 6 account with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I received notification XXXX XXXX XXXX , XXXX is fraudulently reporting an account that XXXX XXXX says I owe. I withdrew from XXXX XXXX within 6 days of enrolling! It is my understanding from XXXX XXXX that only physically proven current, true, correct, complete, timely and compliant information may be  retained or reported so ANNUL BY DELETION any derogatory items deficient of this requisite physical certification of compliance to XXXX XXXX data formatted reporting regulations! At this time I am filing a complaint against XXXX XXXX XXXX , XXXX, XXXX XXXX and any credit reporting agency reporting this fraudulent information and seeking {$1000.00} per violation from each credit bureau, XXXX XXXX XXXX , XXXX and XXXX XXXX. I will be retaining legal council! XXXX XXXX XXXX , XXXX is also reporting an INACCURATE date! I withdrew in XX/XX/XXXX ( within the specified timeframe ) and the date they are reporting is XX/XX/XXXX which is UNTRUE! It is my understanding that NO entity has the right to retain, report, transfer, sell, utilize or else wise any outdated, untrue inaccurate, physically unverifiable, fraudulent, misreported and or non compliant allegations! This is CLEAR violation of the Fair Credit Reporting Act! EACH REPORT HAS INCORRECT INFORMATION!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11
Company: SUN LOAN COMPANY INC.
State: TN
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:
This company is reporting inaccurate and derogatory information on my credit report.

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 2020-05-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Continue calls under unknown caller. Say they are from HRRG? Tried to call but they were unable to verify my information leading to my concern if they were legitimate. Attempted to go to the website but this required a PIN which has yet to be disclosed to me? No letter or email has been sent. They have called almost daily about this in the last 2 weeks and left voicemails without other ways of contacting them except calling back a number. I do not feel this is safe and I do not know what this is in regards to which is my right. I appreciate any advise regarding the above.

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 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX is reporting negative information and blocking me credit. They have had a major breach in my data. I have XXXX XXXX accounts that information was hacked by employee and I keep getting late remarks on XXXX report from XXXX  XXXX inspite of my report of account has been hacked. My XXXX and XXXX and email all have been accessed. I have a XXXX XXXX bank account that is not mine a XXXX XXXX not mine.weird people calling me and a XXXX XXXX account that is all not mine. XXXX password compromised.I do not want any late or remarks from XXXX, Transunion XXXX I closed all the account due to suspicious activity spoke to creditor that did not inform me I had to see the local news to find out I attached proof of emails Im getting from different companies I have no dealings with that state I have opened accounts. The hackers are trying to get me. This is tough I do t want my credit report access or no late payments from any accounts that I have closed due to fraudulent activitys by hackers. I have closed all the accounts that were affected and they are penalizing me for them not protecting my information.

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 2019-09-03
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account on XX/XX/19and requested the method of verification for this account. I know that this account can not be verified because I have reached out to XXXX XXXX and they never responded. 

On XX/XX/XXXX, I sent a letter directly to XXXX XXXX Auto Finance account XXXX requesting all the legal documents that they should have in regards to the auto loan and everything with the repossession and selling of the vehicle. On XX/XX/XXXX XXXX XXXX received my request ( tracking number XXXX XXXX XXXX XXXX XXXX ) and never responded. You are still continuing to report this account on my credit reports and you do not have the legal documents to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Nelnet, Inc.
State: NC
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:
XXXX and XXXX are reporting incorrectly that I am 120 days past due on several loans with the Dept of Education that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. The are four Dept of Education accounts that are reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Big Picture Loans, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan in the amount of {$600.00} XX/XX/XXXX. I have been making payments of XXXX each paycheck. On XX/XX/XXXX I called about paying it off they said it was XXXX to payoff but I wasn't able to pay that day because it was after the processing time. I called on XX/XX/XXXX and I was told I couldn't pay off my loan until XX/XX/XXXX and the amount will be XXXX to pay off. This is after I have paid XXXX, XXXX coming out of each check XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ; and XX/XX/XXXX. That's a total of {$1400.00} on a {$600.00} loan. I was not told about daily fees and you have to pay on certain days because a certain time. They are a loan rip off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
lvnv funding llc.calling me alltime or the day and night damge my credit report raised a mount that hold them I never took any credit from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have mailed certified mail letters to Trans Union on six ( 6 ) occasions, however, they continue reporting an address which does not belong to me. I am very concerned that my identity has been stolen and the thief placed an address that does not belong to me. The address being reported is " XXXX XXXX XXXX # XXXX, XXXX, NY XXXX ''. I do not and have not ever resided at this address.

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 2019-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. Received " mail forwarded '' letter from XXXX XXXX XXXX, Magistrate, XXXX XXXX PaXXXX 
Letter was hearing notice for XX/XX/2019 at XXXX XXXX : XXXX XXXX of Portfolio Recovery in XXXX Pa XXXX versus XXXX XXXX. 
Portfolio Recovery wants to collect {$1700.00} from me, XXXX XXXX. 

2.  I called magistrate office to inform them that I have never had ANY business dealings with Portfolio and I Have a medical appointment that day. Magistrate said they would reschedule it. 

3. NEXT, I wrote and sent signature mail letter to Portfolio, XXXX Pa on XX/XX/2019 requesting much information to validate this debt. I never made agreement or signed anything with Portfolio in my life. 

4. Mail tracking showed they received the letter on XX/XX/2019 at XXXX XXXX. 

5. On XX/XX/2019, I received a letter from XXXX XXXX XXXX/Portfolio in XXXX Texas XXXX saying that my file was being placed on Hardship hold. I am to send " hardship documentation '' proving my hardship. They don't say what documentation they mean and they give no time limits or anything. 

The letter provides NOTHING about the validation that I am indebted to them that I asked for on XX/XX/2019. 

6. I received ANOTHER letter the same day, XX/XX/2019, stating that they have electronic file of original creditor. THEY VALIDATE NOTHING OF ANY CONTRACTS, BILLS I PAID, OR TRANSACTIONS BETWEEN PORTFOLIO AND XXXX XXXX. THAT IS BECAUSE I HAVE NEVER DONE ANY BUSINESS WITH THEM. 



THEY ALSO DO NOT STATE THAT XXXX XXXX HAS CHARGED OFF THIS DEBT AND PROBABLY FILED AS A TAX LOSS. 

7. I also do not know what " file is on hardship hold " means in regard to a new hearing for XXXX XXXX. I never received a notice letter because as I learned when I phoned the magistrate today, XX/XX/2019, they sent a notice to my previous address. 

8. I live on fixed income of Social Security XXXX which is exempt from garnishments or freezes. I am XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: MD
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:
XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Navient Solutions, LLC.
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 have had my students loans 100 % paid off since XX/XX/2017. The Department of Education still reports it as I am making late Payments and lowering my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX is failing or refusing to complete action on my employer certification for Public Service Loan Forgiveness. When I transferred by loan to XXXX last autumn I had completed 109 qualifying monthly payments under the Public Service Loan Forgiveness ( PSLF ) program through XX/XX/XXXX. When my loan completed its transfer from my prior lender to XXXX in XX/XX/XXXX, after several months of administratively setting up and transferring the file, XXXX 's loan detail for my account showed only 62 qualifying months under PSLF. I had the same job with the same XXXX XXXX employer for the entire 109 months that were reported by my employer. I contacted XXXX  by phone. They said that they have 120 days according to their own deadlines to count my qualifying payments. I was told that I was not being denied any credit for qualifying months but that they just hadn't finished counting. Since that time I have called almost monthly to check on the status of the counting of my qualifying months. I have been told the same thing repeatedly, which is that they can see that I have a total of 109 months, that there is no problem with the 47 months that have not been added to the count, but that they just have not finished. I am now ready to file for forgiveness based on a total of 120 months in qualifying employment but I am stuck until they finish what should be the very simple task of counting my total payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

The following accounts/items do not belong to me. Please delete immediately. 

Bankruptcy - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX XXXX  - this account doesn't belong to me Action Requested : Please Delete XXXX XXXX - this account doesn't belong to me Action Requested : Please Delete XXXX  - this account doesn't belong to me Action Requested : Please Delete Please send me an updated copy of my credit report showing that these accounts are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Last year I applied for an received a Capital One Quicksilver credit card. It featured an interest free period and other features. 

I paid my balance in full and on time every month. 

When the interest free period expired, I was hit with an interest charge, although the statement balance, as usual, was paid in full BEFORE the due date. 

The CSR told me that I would be charged interest on my balance for two consecutive  months after the interest free period ended regardless of whether I paid the balance in full or not. 

WHAT??? 

Apparently this ripoff is buried somewhere in their fine print. 

I have always been under the impression that if you pay your statement balance in full every month, you will not be charged interest, since there is nothing to charge interest on! 

I question the legality of this policy. It should NOT be allowed. 

I cancelled my Capital One card, paid the balance in full and closed the account. Good riddance. 

As far as Capital One is concerned, I PREFER TO REMAIN ANONYMOUS. I do not trust Capital One and would be concerned about retribution. My complaint is rather generic, so there is no need for them to associate it with a particular account. 

If the bureau would like the account number of this Quicksilver card, I will be glad to provide it confidentially.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: OK
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:
XXXX XXXX  and Equifax credit reporting will not remove accounts over 7yrs old. The account was included in my bankruptcy and the account is well over 7 yrs old. I have disputed with both credit companies but they say the information is accurate. This is not true cause anything over 7yrs old is supposed to drop off your credit.

Company response to consumer: Closed with explanation