BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-20
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2019 : I reached out to Quicken Loans to discuss a possible mortgage loan. I explained the full extent of my situation to the mortgage broker. She stated that she felt like she would be able to provide the loan I was wanting so I agreed to have her pull my credit report. once she did she immediately started talking to me about the " other loan options '' they offered. I asked why she was telling me about those because that's not what I wanted. She let me know that even though my credit score put me as " top tier '' that the fees they would charge would exceed what the state of Texas would allow. I let her know that she had just wasted my time because she should have been aware of that before pulling my credit. I believe that this was done intentionally in order to convert me to a different product offering. This is an unscrupulous business practice akin to a " bait-and-switch ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
some one in amazon organization is charging to my card for a commission and send the items to me s if I made the order amazon is allowing the card to be over charged and then report it to the reporting agency 's as going over the limit this has to be some in amazon all the sent to is more than I ordered and no need to order that much stuff I have more rugs than I have rooms in my house to put them

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 2018-09-08
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am the personal representative for my deceased cousin, XXXX XXXX XXXX. My cousin passed away just over a year ago, XX/XX/XXXX. I was not provided with the Letters of Personal Representative until this XX/XX/XXXX. At that time, XX/XX/XXXX, I started visiting his banks and closing accounts. After closing his main checking account, and after providing evidence of his death, I was notified by TIAA-CREF that all automatic payments into the account from his retirement annuity must be repaid back to them. This seemed to make sense, but using that same reason, it also seemed fair to assume that all payments made from that account, using the money that was deposited to that account by TIAA-CREF should then also be returned to the account, or now, the estate, since the account is now closed. We contacted all those who received money from the TIAA-CREF deposits, and for the most part all have repaid that money to the estate, except OCWEN. OCWEN has failed to pay back {$9100.00} of the money they automatically withdrew from that account. 

XXXX XXXX for their part in this provided contact information to most of the parties that received automatic payments from the account. We had to contact each of those individually, some of which were XXXX XXXX branches, but they seem to have all paid back the money that was withdrawn from the account, except Ocwen. 

Ocwen, who received all proceeds from the sale of the house, states that the payments from the checking account were part of the sale of the house. We feel that Ocwen should have know of any laws concerning automatic payments from the checking account of a person deceased, and should have known they would have to return those funds. 

The house had lost value and was not able to be sold for the amount owed on the mortgage to Ocwen. A short sale was agreed to and when the house sold, all money went to Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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: Was not notified of investigation status or results

Complaint:
During a recent dispute with the company, I sent out 4 letters via certified mail and did not receive a response. Final notice, intent to file suit sue was sent on the XX/XX/2018. Prior to that, I sent the 3rd dispute letter on the XX/XX/2018, a 2nd dispute letter of the XX/XX/2018, and initiated the dispute process on the XX/XX/2018. I received no response or remedy to said letters or issue.

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 2020-09-16
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
ONCE AGAIN I CANCELLED EXPERIAN MEMBERSHIP NO.XXXX AND EXPERIAN IS CAPURING CREDIT CARDS AND SYSTEMICALLY CHARGING DEBIT AND CREDIT CARDS.

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 2018-09-08
Company: Experian Information Solutions Inc.
State: CO
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 attempted to to file a dispute online every time a upload a file is States that the website is frozen what is not responding.I 've tried contacting them with no response. I have been disputing XXXX XXXX for almost a month now they are past their time frame to collect. the information is incorrect and they refused to collect on this account. I am requesting that XXXX XXXX be removed along with inquiries that include XXXX and XXXX XXXX  twice. I can not seem to get through. I also sent a letter to XXXX XXXX with no response. I want by XXXX XXXX   removed. they have violated the FDCPA Laws and the Fair Credit Debt Collection Acts. Federal laws have been violated. XXXX cancelled the acct they broke contract NOT ME. They are not supposed to be attempting to collect! when I try resolving this account XXXX XXXX hung up on me more than 6 times so I want XXXX XXXX  remove immediately. acct balance is incorrect and XXXX XXXX  allegedly had this acct since XX/XX/18 and have not attempted to collect or when I called them hung up on me. and did NOT validate balance or accuracy and disconnected every call when I reached out to them. they null and voided their rights to collect due to XXXX writing off and receiving credit for written off balances. Amounts were ALLEGEDLY owed to XXXX NOT XXXX XXXX. I wrote a letter I want it removed. I have 18 acts in great standing I think I would have resolved this one. I will file suit of XXXX in Colorado and file complaint with FDCPA with minimum fines starting at {$10000.00} per violation for damage to my credit. I have filed a complaint with XXXX and has not responded. XXXX has removed this acct but not Experian or transunion

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 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I have been working to get this fixed. And the companies are not following the law. No authorization given.

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 2021-10-11
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
Hello again .... 

In response to my last complaint via CFPB # XXXX You stated that you are reporting accurate information to the consumer reporting agencies after I told you that you were not. Dealing with my JPMCB account ending in XXXX. You all are reporting MULTIPLE late payments on my report and this is interfering with my Real life situation in getting a new house. Reporting late payments is a violation to my consumer rights law. 

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt t pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 
As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

Please update XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to paid as agreed due to these terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I took out my original unsubsidized student loan with sallie Mae 1st payment disbursed on XX/XX/XXXX for {$10000.00} and 2nd payment in XX/XX/XXXX for {$10000.00}. I began making my first repayment on XX/XX/XXXX. My interest rate is at 4.750 % with a co-signer. I have made payments since XXXXpresent with estimated pay off date given to be XX/XX/XXXX. My loan is now under Navient for the past several years. I never signed new documentation with Navient and was just told that they bought out Sallie Mae. I have asked Navient to provide me with information on fair interest rates or where I could search to find information regarding sallie mae 's lawsuits regarding interest rates and all the employees I have asked have told me that they do not know if such information or how to direct me. I also feel that I will have paid back an unfair amount back on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, I have contacted Shellpoint Mortgage multiple times since XXXX XXXX requesting PMI to be removed from my loan. I have paid down my mortgage to 78 % of the original loan as of XX/XX/XXXXXXXX. Shellpoint Mortgage is legally obligated to cancel my PMI at my request because my loan has satisfied all requirements. Please reference the Homeowners Protection Act of 1998, Section III,  part B on page 3 ( https : //www.federalreserve.gov/boarddocs/caletters/2004/0405/CA04-5Attach1.pdf ). Shellpoint Mortgage has continually given me the run around. First they stated I needed to pay for an appraisal which is false because my loan to value ( LTV ratio ) has reached 78 %. If it was 80 %, an appraisal could be required. Then they confirmed they would remove PMI, but they never followed through on that promise. When I called in the Winter after noticing I was still being charged, they told me PMI was paid in arrears and assured me it was coming off. Now, their latest excuse is saying that my property is currently located within a declared disaster area and again requesting me to pay for an appraisal. The only possible disaster they could be referencing is Covid-19. First of all, I requested PMI to be removed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX long before Covid-19. Secondly, Covid-19 has nothing to do with the issue at hand. I have called their phone number and you can only speak to customer service representatives that are not educated to handle this situation and they are not able to connect me to anyone who can. All I can do is continue to email them, but I have zero faith they are going to honor what they are supposed to by Federal Law. This is the last opportunity Im giving Shellpoint Mortgage to rectify the situation prior to taking legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is denying us a loan modification, they will only agree to a short sale. My husband and I will be filling paperwork with the Attorney General office to attempt to avoid foreclosure. Prior to our mortgage ballooning 17 months ago we were never behind in our mortgage for 10 years. WF continues to deny us being that our income doesnt meet the qualifications for new mortgage. Our income is more now than it was when we purchased our home. We know now that after 10 years we were sold a home that we did not qualify for in the beginning. Why should we now suffer due to being scammed? Please help us with this situation.

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 2018-09-08
Company: EQUIFAX, INC.
State: NV
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 has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: EQUIFAX, INC.
State: NV
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 has been non-compliant with removing the unverified account XXXX   XXXX XXXX XXXX has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements XXXX Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$16000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$16000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 61 Months Company sold - Original creditor -

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 2021-03-12
Company: Shellpoint Partners, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am having difficulties with buying a house and applying for new credit cards. On XX/XX/2019 my bill did not go through account with missed payment. I am kindly requesting SHELLPOINT MORTGAGE SVC to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
RE : XXXX XXXX XXXX XXXXXXXX - I was never late on this account, To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation of status of account. Under FDCPA I have the right to request validation of status of my account. you say I owe you. 
This is NOT a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation

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 2023-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX Balance Owed : {$3900.00} The address listed is not my current address, and This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

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 2021-04-23
Company: AES/PHEAA
State: CA
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:
The letters, statements and notices werent straightforward about the status of my loan or its recent activity. The automated phone prompts and voice response system also gave me a hard time when I called in to receive clarification on the status of my loan. I had updated my automatic payments based on all information provided on the website and forgot that I had when I started receiving letters from them informing me that they had returned my checks. I was no longer in a rush to check why I was continuing to receive notice about the checks being returned because I assumed that updating the automatic payment information to meet the deadlines established on the website without logging on was valid and sufficient to keep my account in good standing. My account is in good standing but I could not tell unless I called the customer service center. I think that may bank may have continued sending checks without my permission.

Company response to consumer: Closed with explanation