BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: Self Financial 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:
In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: MA
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:
I have an unauthorized credit check from Equifax XXXX  XXXX showing up on my Equifax Credit Report. I do not know who this company is and do not understand how they got my information to run credit but I have never given them permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I put in a dispute on XX/XX/2018 thru XXXX XXXX for TransUnion and they are still processing it.

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 2023-07-06
Company: OneMain Finance Corporation
State: OH
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 account through my bank was frozen last year because there were inquiries on my credit report which I did not make. Someone unfroze the freeze placed on my account and then there were 2 inquiries on my credit report - one for XXXX and the other for OneMain Financial. I did not apply for credit from either company. 

I contacted XXXX to freeze the account again and remove the inquiries from my credit report. XXXX said I should contact the companies. I did get a hold of XXXX and tried to get a live person at One Main, but had to send an email because I couldn't reach a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
QUESTION : Im told by PHH/Ocwen and XXXX  XXXX  that they dont know who the registered agent is for the former GMAC Mortgage Corporation. They do know that all of the paperwork/files were transferred to an attorney firm at some point. They are not customer facing or a loan servicer and do not reply to requests for information. 

Does anyone know who the attorney or law firm that was assigned as the registered agent for the former GMAC Mortgage Corporation? 

Background : Property with GMAC Mortgage Lien Requesting Discharge : We are seeking a discharge for the original GMAC mortgage and note that was paid in full/satisfied back in XXXX through a loan refinancing through XXXX XXXX XXXX. A discharge was required to be recorded by GMAC in the XXXX County NJ Clerks Office, but they apparently failed to do so and it was not discovered until XX/XX/XXXX when we went to sell the property at XXXX. I'm prevented from transferring clear title to the buyer because of this so I need a discharge immediately. The property at XXXX was sold on XX/XX/XXXX. However, the title company is withholding {$10000.00} in escrow from the sale proceeds until this GMAC mortgage lien is resolved. 

Overview : XXXX ( husband/wife ) need to obtain a mortgage discharge for a former GMAC Mortgage. 

During the recent sale of our primary home at XXXX, we were informed by the Title Company ( XXXX XXXX ) and the XXXX County ( New Jersey ) Clerk Records Department that we have a GMAC mortgage shown as outstanding. The original mortgage was with GMAC Mortgage Corp of PA loan # XXXX for {$200000.00} dated XX/XX/XXXX. Borrowers were XXXX. We purchased our newly constructed home at XXXX in XX/XX/XXXX for {$280000.00} financed with a {$200000.00} GMAC mortgage. 

This original GMAC mortgage dated XX/XX/XXXX was subsequently refinanced in XX/XX/XXXX at a lower interest rate with XXXX XXXX  XXXX XXXX # XXXX for {$200000.00}, but apparently the GMAC mortgage was never discharged properly with the XXXX County Clerks Office during the refinancing process. The refinanced {$200000.00} mortgage with XXXX XXXX  was apparently sold/purchased by a few banks and eventually was acquired by XXXX XXXX loan # XXXX. XXXX XXXX was holding the loan when XXXX fully paid off the mortgage and XXXX XXXX properly discharged this mortgage with XXXX County Clerks Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account name : U S DEPT OF EDXXXX Account number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was a victim of bank fraud and was unable to make any payments on any accounts for several months. I never received notification that this debt was going to collections until it hit my credit report. I immediately contacted XXXX to make the payment because it was finally resolved through my bank. XXXX stated on that call that they would remove the debt from the collection agency. the agency is telling me that they can not remove ( delete ) the negative collection report from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: Automated Collection Services, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a natural person and was contacted by a third party collections agency by mail and phone about a debt .Pursuit to 15 usc 1692a, they are not suppose to contact me about a debt they assume I owe. I am including a copy of what was sent from me first and a response from them with a cease and desist. They have violated numerous laws within the exhibits. The caused me stress with contacting me while I'm at work and contacted my wife as to which I don't know how they got her contact info. The original creditor have breeched my confidential information such as my social security number to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
Nissan Motor acceptance is reporting incorrect information on my XXXX credit report for XX/XX/2023. I have contacted the on multiple occasions for them to correct the issue. I have not been successful. 

Account : XXXX VIN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe my house has appreciated enough to get my PMI removed from my mortgage. I called Wells Fargo home mortgage customer service and asked if I needed to go through a designated appraiser of theirs to get an appraisal on my house. The customer service rep said no. I then went and got an appraisal on my house. I called customer service again and asked about next steps now that I had an appraisal on my house. This customer service rep gave me an email to get in touch with the PMI team. When I reached out to the PMI team, it turns out they have designated appraisers and BPOs that you're supposed to work with when getting an appraisal, so the first customer service rep gave me completely wrong information, causing me to waste {$350.00} on an appraisal that could not be used. Also, both customer service reps were pressuring me to refinance, when I was clear that's not what I was calling for. Wells Fargo 's mistake caused me to waste money, and I am am extremely upset about this. 

XX/XX/XXXX : Initially contacted Wells Fargo customer service about PMI removal XX/XX/XXXX : Got appraisal XX/XX/XXXX : Contacted Wells Fargo customer service for the second time XX/XX/XXXX : Contacted PMI team Week of XX/XX/XXXX : Got a letter from the PMI team telling us we needed to use their designated appraisers or BPO to move forward

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 2019-06-13
Company: EQUIFAX, INC.
State: MN
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:
XXXX / Equifax filing this complaint due to the fact that you are in violation of the FCRA XXXX   XXXX is reporting charge off on your reporting with a balance {$5500.00} ON Charge off accounts there should be no past due payments please delete immediately and send a updated credit report XXXX did delete this account for violation of the FCRA Equifax also you are reporting date of first Delinquency as XX/XX/18 But if you look at XXXX report attached they are showing a Ok for payment so this inaccurate XXXX You are reporting missed Payments There should be no missed payment on a charged off account XXXX you are reporting a ok payment on XX/XX/2018 as Equifax is showing date of XXXX  delinquency for XX/XX/18 inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I was made aware that PHH Mortgage was not paying our property taxes in full. I sent them the notice, along with all relevant information to pay the taxes. I received a response that I would receive an update in 10 business days. I did not. I reached out in the beginning of XXXX of XXXX to check on the status. They assured me it was being handled. On XX/XX/XXXX ( a year later ), I received notice from my county of residence stating that the taxes still had not been paid and we were at risk of the property being seized if payment was not made by XX/XX/XXXX. I sent it to them, again, and as of today, XX/XX/XXXX there still has been no payment made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: SYNCHRONY FINANCIAL
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Synchrony Bank contacted my husband, who is not on my account and gave him my account number and balance owed. 
This is not legal.

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 2021-11-03
Company: BARCLAYS BANK DELAWARE
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, two fraudulent charges were made to our Barclays credit card in the amounts of {$970.00} and {$860.00}. These two charges were to XXXX XXXX XXXX XXXX in XXXX, Texas. 
We immediately reported these charges to Barclays and they credited our account. New credit cards were issued. 
On XX/XX/XXXX, the two charges were again posted on our credit card account. We called Barclays and were informed that the merchant had verified our address and name with the credit card number so Barclays felt they were valid charges. We were told that we should reach out to XXXX XXXX & XXXX and were provided the phone number that Barclays had. 
We tried multiple times to call this " merchant '' during normal business hours and at night. The phone number goes to a voice mailbox that has not been set up and will not accept messages. We googled the address of the " merchant '' and found that it is a residential home in XXXX, Texas with no signs or indication of a business. The " merchant 's XXXX page had only 2 followers as of XX/XX/XXXX, and had not been updated since XXXX. Their XXXX page had 0 followers as of XX/XX/XXXX and does not have any activity or posts. 
We called the XXXX, Texas Police Department and were told that they know of no business in their town named XXXX XXXX XXXX XXXX XXXX. They advised us to file a police report with our local authorities, which we did. 
On XX/XX/XXXX, my wife spoke with a Barclays fraud department representative named XXXX & explained our frustration that Barclays had not investigated further. XXXX told her that the charges were for paint protection, headlight restoration, and auto glass replacement. She did not tell us what type vehicle the work was done on or provide any further information. She said we could file a claim to dispute again ( which we did ) but as far as they were concerned the charges were valid and the investigation was closed. 
We live in XXXX XXXX, Arkansas, which is 298 miles from XXXX Texas. We would not reasonably take a vehicle that far to do auto repair work. From our valid credit card charges on the same days, it is obvious that we were not in Texas at the time these purchases were made. 
We have never done business with any merchant named XXXX XXXX and XXXX in XXXX, Texas. From our own investigation, we feel this is not even a legitimate business. We regret that Barclays did not feel the need to further investigate these transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26
Company: TD BANK US HOLDING COMPANY
State: NV
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:
In accordance with the fair credit Reporting act 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 States : A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 2023-06-26
Company: SANTANDER HOLDINGS USA, INC.
State: AL
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:
The name of the company is Santander consumer they have a car in my credit that does not belong to me and will not remove it from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: CHALLENGE FINANCIAL SERVICES
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, XXXX from Challenge Financial Services called my place of employment regarding a car payment. I provide XXXX XXXX, I explained to XXXX his calling interrupts and delays the delivery of XXXX XXXX. I informed XXXX, which he is well aware, I am within the grace period and it is inappropriate to call my employer regarding a car payment, and to cease any phone calls to my place of employment. On XX/XX/XXXX, at approximately XXXX, XXXX called my job again, after being told not to do so. I informed XXXX of the previous email I sent him to cease calling my place of employment for a car payment, which is within the grace period. I am no more than 10 days late paying the car payment, which is due to my pay dates, and also XXXX was made aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: FlexShopper, Inc
State: MD
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:
They have an account in collections along with another company with the same account so two separate collections for ONE account is now on my credit report. I have never used XXXX XXXX! I have also NEVER gotten any notice of this BEFORE collections. Two different amounts are showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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: Account status incorrect

Complaint:
To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS US DEPT OF EDUCATIO XXXX not mine How is Equifax able to verify these items when other agencies can not?

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a ci
vil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Responses from both XXXX and Equifax indicate that the issue of removing a middle initial was resolved. I continue to receive mail with a middle initial however, which I have never in my lifetime used. XXXX took the appropriate action and removed said middle initial. All I ask is that XXXX and Equifax respond with a similar action and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Lending Club Corp
State: FL
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:
I WAS A VICTIM OF IDENTITY THEFT AS A RESULT THESE ACCOUNT WERE OPEN UNDER MINE AND TAXES, PERSONAL LOAN UNDER MY NAME XXXX  # XXXX ... SYNCB/ROOMS TO GO # XXXX. 
ADS/COMENITY/WESTELM # XXXX ... XXXX BANK # # XXXX PORTFOLIO RECOVERY # XXXX,, LENDING CLUB CORP XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Rocket Mortgage, LLC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Quicken Loans continues to call, email and text me incessantly all hours and days of the week to my personal cell phone as well as work to the extent that I have had to block their numbers however they contact me from different phone numbers. I have continuously informed them I am not interested in refinancing at this time. In an attempt to get them to stop contacting me, I spoke to a representative who pressured me into pulling my credit report which I was not comfortable with only to be told it might not be in my best interest to refinance at this time as I already had a great rate. I feel like they are soliciting and harassing me for their own personal gain and incentive. After this I requested to stop being contact and continue to do so. I am upset my credit was pulled without my genuine agreement and I want this harassment to stop.

Company response to consumer: Closed with explanation