BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
State: AR
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:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 COMPLIANCE PLEASE ASSIST ME ON REMOVING THESE ACCOUNTS. THANK YOU.

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 2022-01-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is a formal complaint that XXXX XXXX is in violation of the law. I find that XXXX XXXX is in violation of 15 U.S. Code 1692g - Validation of debts : ( a ) Notice of debt ; Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; XXXX XXXX  XXXX is illegally reporting on my consumer credit report alleging that I owe them money for a loan. I have never consented to do business with this entity, signed any loan documents with them, or granted them permissible purpose to obtain my personal information let alone furnish it on my consumer report. I demanded that XXXX XXXX validate the alleged debt they are reporting on my consumer report and they failed to comply with any sections of 15 U.S. Code 1692g. 
XXXX XXXX is willfully reporting misleading and inaccurate information. They responded to my request with : all credit reporting is valid and accurate along with we do not offer courtesy credit reporting retractions. This is unacceptable and unlawful as this does not validate any debt. I am very concerned and damaged by their actions. I am seeking legal counsel and would like to file a formal 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 2020-10-08
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a mortgage forbearance plan with my mortgage servicer company Quicken Loans as my family income has been adversely impacted by the Covid-19 pandemic. My mortgage is an FHA-secured loan which was subject to the temporary relief afforded by the CARES ACT, signed into law in XX/XX/2020. 
A 6-month forbearance was approved by Quicken Loans in XXXX, XX/XX/XXXX. My approved forbearance plan allowed me to temporarily reduce my mortgage payment through XX/XX/2020. 
Under the temporary relief afforded by the CARES ACT, at the beginning of XXXX,XX/XX/XXXX, I requested a 90-day extension of the forbearance plan, which was also approved by Quicken Loan. The extension of the forbearance plan allowed me to reduce my mortgage payment to XX/XX/2020. A letter from Quicken Loans dated XX/XX/2020, confirming the forbearance plan extension is attached herein. 
However, in first week of XXXX, I received a big package of documents from Quicken Loans, indicating that my loan was past due 153 days, and that it was in default. The documentation attached with the package indicated that Quicken may start foreclosure procedure see Frequently Asked questions section, page 4 of 4. A scanned copy of the package is also attached herein. 
I contacted Quicken loans right away. I had conversation with a representative XXXX XXXX on XX/XX/2020 at XXXX XXXX  eastern time. Our conversation was recorded, and XXXX read me a disclaimer that any information obtained could be used to collect a debt. However, XXXX XXXX informed me that I was secured by the forbearance plan and that as part of the forbearance plan, I would keep on receiving monthly statements. 
However, when asked why I was getting a NOTICE, he could not answer to my satisfaction. He repeated his assertation that You are OK. 
I remember the cruel and rampant and at times, illegal foreclosure actions taken by the mortgage servicer companies in the last housing bust during XXXX. Assertions by the representative of Quicken that I was ok did not reassure me. In fact, after receiving this new Notice, my XXXX  have increased ( in addition to the XXXX  related to the COVID-19 situation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In pursuit to the fair debt collection act, 15USC 1692 sec. 809 ( b ) PORTFOLIO RECOVERY ASSOCIATES LLC is required under the above named titled and section, to show their lawful authority to collect on an alleged debt claim.. The documents that was sent too me in response too a debt validation letter that was sent too said company as a attempt to validate the debt does not conclude that a debt is owed too portfolio recovery associates llc.. I informed portfolio recovery associates llc that the fact that a debt is owed does not give them legal right to collect on the debt.. I've sent them a XXXX debt validation latter demanding them to show me their legal standing to collect this debt by showing me their lawful authority to collect the debt without my consent or a copy of the original contract between myself and the original creditor where i agreed to the assignment of the debt ; WITH MY INK SIGNATURE anything outside the scope of this evidence constitutes defamation of my character and i would be forced to take legal action against portfolio recovery associates llc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
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: Information belongs to someone else

Complaint:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: PA
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:
DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX Its not possible that all four of my XXXX accounts could have gone from current to an immediate 90-days late. Im within my rights to ask a simple request for the removal of the late payment history. You can see that I make my payments on time and have done so since all of my student loans came off deferment status. 

REVOVE LATE PAYMENT STATUS FROM 2013 PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Meade & Associates, Inc.
State: OH
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:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX  XXXX  / XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: SELECT PORTFOLIO SERVICING, 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 information incorrect

Complaint:
a mortgage account was opened in XXXX for {$35000.00}. It was settled to {$28000.00} in approximately XXXX. I called the company, SPS to ask them to fix the mistake that was on my credit report, I was told ( as per the company ) that the account has been sold. However, it is now listed on my credit account as being owed at {$100000.00}. I called the company, SPS in XX/XX/XXXX and was told that it was sold to XXXX   XXXX XXXX. They are listing their original loan along with the XXXX XXXX XXXX loan in one account with an account number and amount that is not accurate. I complained to SPS and did not get assistance. They have yet to rectify the account amount with the 3 credit reporting agencies. The credit agencies have not removed the accounts from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Nelnet, Inc.
State: MN
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 have student loan under my name and cosigner, with Firstmark since XXXX which is a Federal student loan service provider and does not service Federal student loans. It only provides service for private educational loans. I was making auto debit payment option that offers me the peace of mind that comes with knowing my loan payments are being made accurately and on time. In XX/XX/XXXX, I notice my credit score drop by over 100+ point, and found out that it was missing of few payment on my loan and, I then contact Firstmart for more explanation. I was told that my cosigner file Bankruptcy, because of that they did not take my auto debit payment, they just report to all credit bureaus with out my knowledge. Firstmark did not send me letter or email or get no single call. They did said they will try to fix the situation, by this time damage was done. I was on process of buying house to my family, and I get deny because of this. Somehow it have been fix but it was too late. And then they did it again on XX/XX/XXXX with same unfair reason. My credit score drop by huge number again. I was told that I am not able to sign for auto debit payment no more and Firstmark can not contact me or send me reminder for payment, I had to remember every month to call and make payment because the status of the loan is bankruptcy. why me? I am human I could forget payment, and Firstmark did send reminder to every customer who are late from their payment but not me. I am the one who took the loan and I never say I would not pay. I only own {$290.00} from XXXX total. Its not fair for my family going through all this and pay all this price just because my old cosigner file bankruptcy. I am still paying but all I asking them that to fix the situation which they told me not this time. This matter affect my XXXX  little kids life and my whole family. its cost me a lots to fix their first mistake and now back to problem. They are so fast to report late payment without one single attempt to contact me is affecting so many life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
portfolio recovery has repeatedly claimed I owe a debt of XXXX with no proof. I have written and asked for any legal proof and they constantly deny me a response. 



They have hounded me for many years with collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
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: Their investigation did not fix an error on your report

Complaint:
I was hit by car drunk driver. XXXX bill not paid by XXXX. I found out when Equifax showed as collection a year later. I paid immediately and received letter from Collection Company that it was paid. I Called Equifax today. Letter not enough. Told me to contact collection agency. This charge should not have been a collection. Equifax only bureau to  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In pursuit to the fair debt collection act, 15USC 1692 sec. 809 ( b ) XXXX  XXXX XXXX XXXX is required under the above named titled and section, to show their lawful authority to collect on an alleged debt claim.. The documents that was sent too me in response too a debt validation letter that was sent too said company as a attempt to validate the debt does not conclude that a debt is owed too XXXX XXXXXXXX XXXX XXXX I informed XXXX XXXX XXXX XXXX that the fact that a debt is owed does not give them legal right to collect on the debt.. I've sent them a 3rd debt validation latter demanding them to show me their legal standing to collect this debt by showing me their lawful authority to collect the debt without my consent or a copy of the original contract between myself and the original creditor where i agreed to the assignment of the debt ; WITH MY INK SIGNATURE anything outside the scope of this evidence constitutes defamation of my character and i would be forced to take legal action against XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
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: Account status incorrect

Complaint:
I have sent several letters since XX/XX/2018 disputing the late payments that's showing in my credit report which is incorrect. I have never been late and always made my payments on time or before due date via phone call to a representative. I have sent certified return receipt letters on or about XX/XX/2018 and again on or about XX/XX/2018. 
with all letters being returned to me stamped Return to Sender Not Deliverable As Addressed, which is the address in my XXXX  Credit Report. Also, listed on their webpage and a representative verified the address. They are avoiding me at this point please delete this tradeline which is a violation of my rights and FCRA. 
Please help me.

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 2015-09-17
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I requested a packet for modification on XX/XX/XXXX. I received the packet today. I completed the XXXX. On Monday XX/XX/XXXX I requested a copy of a demand/foreclosure letter Ocwen 's representative stated they mailed to the wrong address. I wanted this letter to request money out of my 401k to help with a payment plan. I was told on Monday it will be emailed to me. I have n't received it. I submitted RMA packet to Ocwen XX/XX/XXXX for a modification here is what I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
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 REPORTED TO EXPERIAN AND OTHER CREDIT AGENCIES THAT THE LOAN IS OPEN AND NOT PAID. 
THIS LOAN IS IN COLLECTIONS WITH XXXX - AND IT WAS PAID AND SETTLED TO THIS DEBT COLLECTOR - YET XXXX IS REPORTING OTHERWISE.

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 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 REPORTED TO XXXX AND OTHER CREDIT AGENCIES THAT THE LOAN IS OPEN AND NOT PAID. 
THIS LOAN IS IN COLLECTIONS WITH XXXX - AND IT WAS PAID AND SETTLED TO THIS DEBT COLLECTOR - YET XXXX IS REPORTING OTHERWISE.

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 2019-05-15
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
RE : Hard Inquiry/Unverifiable on my behave. I recently checked my credit reports with Experian, XXXX, XXXX. I have Two Hard Inquiry from company : XXXX XXXX Hard Inquiry done XX/XX/2017 and XX/XX/2017. 
XXXX XXXX XXXX, XXXX CA, XXXX XXXX XXXX XXXX XXXX. I have not yet received any return correspondence, at All.From neither companies.

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 2019-05-15
Company: Avant Credit Corporation
State: WV
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:
AVANT REPORTED TO XXXX AND OTHER CREDIT AGENCIES THAT THE LOAN IS OPEN AND NOT PAID. 
THIS LOAN IS IN COLLECTIONS WITH XXXX - AND IT WAS PAID AND SETTLED TO THIS DEBT COLLECTOR - YET AVANT IS REPORTING OTHERWISE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Ocwen Financial Corporation
State: IN
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant and repetitive calls throughout the day, sometimes until XXXX, beginning on the first of every month. I am not late. Never been assessed a late fee and pay my bill every month on the day I receive my XXXX payment. I have explained my XXXX situation to OCWEN several times and can not pay on the first day of the month but I do pay every month and am not behind. OCWEN is harassing me.

Company response to consumer: Closed with explanation