BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage acquired our mortgage several months ago. In early XXXX, we received an email to prove that we had homeowners insurance. This was done via fax on XX/XX/20. Additionally, we submitted the information through their portal. We also called PHH and our insurer. At the same time, we received notice that our homeowners insurance from XXXX XXXX was going to expire on XX/XX/20. It was due XX/XX/20 but it had not been paid by PHH. 
After multiple phone calls, a fax and online sumbission - PHH issued payment on XX/XX/20. On XX/XX/20, I contacted our homeowners insurance agent and was told that the payment was still not received. In order to prevent cancellation of the policy, I paid {$2200.00} to XXXX XXXX. As of XX/XX/20 - XXXXXXXX XXXX still has NOT received the payment from PHH mortgage. Obviously, PHH collects money monthly for our insurance. How can they be allowed to not pay the insurance in a timely fashion? And it cost us and extra {$2200.00}. Thank goodness we were able to do so - what about people who would be unable to double pay thousands of dollars?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: BMW Financial Services NA, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2020, I purchased 2 vehicles from SALE BMW in XXXX, NC. Both vehicles were advertised as new on their website and confirmed as new by the salesperson XXXX XXXX. The bill of sale and all paperwork with the sale that was turned into the state of NC states my vehicle is new. However the financing portion that was turned into BMW financial was checked " Certified Pre-Owned ''. I did not realize this until I took my vehicle into get the navigation uploaded that the Service Manager XXXX told me that my vehicles were Certified Pre-owned and that I could transfer the BMW care package from the previous owner for XXXX which I did pay for one of the vehicles. If my cars were " New '' they should have come with BMW Care for 3 years/36,000 miles. I spoke to my salesman XXXX XXXX about the situation and he said, " Oh yeah, if a vehicle is on the lot at year end, we take all the promotional money off the car by turning them in as Certified Pre-Owned so we can pay the taxes on the vehicle. '' At this point because the vehicles were advertised as new and they clearly weren't I have been screwed out of XXXX in financing with a dealership I do not trust. I will have to take my vehicles to another dealership over XXXX miles away to get them serviced in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Receivables Performance Management, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted via mail by Receivables Performance in XXXX in writing, I could not get onto their website. I replied by mail asking for Validation of Debt in XXXX. I received a bill on XX/XX/2020 from Receivables Management that indicated XXXX was the original debtor. They statement I received indicated I had 7 calendar days to make a payment of my account would be sent to collections. No dispute information was provided. I mailed my check on XX/XX/2020 to XXXX as it indicated on the notice. I also sent a letter to Receivables Performance indicating I mailed a check to XXXX. I was not given 30 days from the validation to make a payment, they sent my account to collections in 7 days. I have had to submit disputes and they have instantly removed the ding on my collections report. I believe by law RP should have allowed 30 days after validation. They are in XXXX Washington, there's no way my letters took that long so they knew I paid XXXX. I believe they retaliated because I asked for proof. their # is XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA 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 2017-12-13
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX XXXX XXXX. XX/XX/XXXX. {$290.00} XX/XX/XXXX - {$83.00}. 


I was telling them that how can you open something that is not even in Mississippi. These people are from north carolina. Is that even possible even though i am in Mississippi. I have never lived in north carolina so this cant be possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had a private loan that I didnt know was threw XXXX XXXX. At the time I was married and didnt worry about it. Then I got divorced because my ex was abusing our daughter. I left him. I am a XXXX and have been for about 5 years. I tried and tried to finish my XXXX but financially couldnt afford it. I was injured at work in XXXX and was laid off. Many days I couldnt even afford food. We lived in my grandmother in laws home rent free. I moved to Arizona and started XXXX again but my injury has stayed with me the whole time. Im almost done with my XXXX and now my student loans have not only came back but they are 3xs what I started as. I am XXXX, my wife is XXXX and my son is as well. We depend on my income. Now one of my school loans of XXXX from XXXX XXXX now ( Navient ) gave it to XXXX XXXX! I dont know what to do??? Can you help me fix it???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX- Account 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 2022-10-11
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to remove my private mortgage insurance since the value of my primary residence on the market is about 70 % XXXX and they denied my petition since they don t recognize that the investor is XXXX XXXXThey just keep mention that my investor don't let me to eliminate or remove the XXXX  and by federal law and or regulation is supposed to be removed or at least I need a reasonable answers or options other than make a full refinance.

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 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

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 2019-02-01
Company: Schachter Portnoy, L.L.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX XXXX  of this year, I was served a Summons and Complaint from Schachter Portnoy, LLC, regarding a debt I owed their client, XXXX XXXX XXXX, XXXX. Prior to this, I received no communication, either via phone, or letter, that they purchased the debt from XXXX XXXX  ( formerly XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I would like to file complaint against my Mortgage Loan Servicer Freedom Mortgage. I lost my job in XXXX due to COVID and no available childcare. I requested a forbearance in XX/XX/XXXX while working partial hours and continued to pay mortgage thru XX/XX/XXXX. On XX/XX/XXXX, I called Freedom to request my final Forbearance. I spoke with a rep named XXXX. XXXX took my Forbearance request and thoroughly explained 3 Recovery plans once the Forbearance ended on XX/XX/XXXX. On XX/XX/XXXX, I called and requested the Recovery Modification plan. The rep thoroughly explained all programs again and also explained a 4th new program called Advance Loan Modification, offered per FHA. The rep explained that the program approval rate was rare, and most people were not approved. He explained that they automatically reviewed me for this program first and then the remaining 3 programs ; Stand-alone partial, short-term recovery, and Recovery Modification. I explained to the rep my choice was the Recovery Modification. I asked many questions to get an understanding of the program. I explained to the rep that I am a single mom, first time homebuyers and due to the pandemic my salary changed. So, the Recovery Modification Program was the best choice for me. On XX/XX/XXXX I received letter from Freedom stating my application was incomplete and missing title insurance page. The letter stated that I could still be reviewed for the 4 Streamline programs listed above, with an incomplete application. I called Freedom that same day and asked the Rep if I could fax over title page. The Rep stated they would handle on their end and I did not need to do anything. The Rep confirmed that I requested the Recovery Modification option but confirmed that I would be reviewed for all 4 Streamline Programs. Today, XX/XX/XXXX, I called Freedom for status on my request. I spoke with Precious. She directed me to my online approval letter. The letter stated that I was NOT approved for the Advance Loan Modification, Approved for Stand-Alone Partial and NEVER reviewed for the program that I requested, the Modification Recovery Program . Precious incorrectly stated FHA only approved me for this program. I requested supervisor assistance. I spoke with supervisor XXXX XXXX. XXXX apologized and stated I would have to decline the Stand-Alone option in order to be reviewed for the program I chose on XX/XX/XXXX. I explained that they were taking away my options and had not correctly processed my request or reviewed me for all 4 programs they said they would. At this time I would like to file a complaint. It appears that my options are being taken away and I am not receiving the assistance afforded to me as a home owner affected by the COVID-19 Pandemic.

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 2023-07-14
Company: EQUIFAX, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Fed Loans acknowledged receipt of my Public Service Loan Forgiveness ( PSLF ) Employment Certification & Application Form on XX/XX/2021. On XX/XX/2021, Fed Loans requested additional time to review my Certification and Application. To date, Fed Loans has not provided any additional updates on my request. 

When I previously filed a PSLF Employment Certification & Application on XX/XX/2021, my Certification was processed on XX/XX/2021, less than one week after filing said Application. The current length of time for Certification is therefore unreasonable. 

I would like Fed Loans to approve my current Certification and Application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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/20 XXXX XXXX XXXX.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming 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 2018-03-11
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
My credit report shows a negative collection/chargeoff from XXXX.This account was paid and closed on XX/XX/XXXX. The full balance was paid. XXXX still shows a negative account on my report. I disagree with this negative report since the account was responsibly taken care of. 
This account was opened on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: IL
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:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity thef XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity thef XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity thef XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Verify This invalidated account XXXX XXXX XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation

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 2020-06-05
Company: EQUIFAX, INC.
State: WI
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 was a victim of Identity theft and I noticed a fraudulent account on my credit report from The XXXX XXXX XXXX. It was opened XXXX of 2020 with a balance of {$2200.00}. I called the company and disputed the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: FL
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:
THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY CREDIT REPORT THAT I DID NOT DO. SOMEONE USE MY INFORMATION TO APPLY FOR ACCOUNTS IN MY NAME AND TO FILL OUT APPLICATIONS THESE ARE THE FRAUDULENT INQUIRES ON MY REPORT 1.XXXX  XXXX XXXX XXXX XXXX 2.XXXX  3.XXXX XXXX XXXX 4.XXXX 5.XXXXXXXX XXXX 6.XXXX XXXX 7.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I have sent a certified XXXX fraud request to remove items off of my credit report - please see attached PDF for complete details. Equifax refuses to honor this fraud removal request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
security credit service reporting collection debt to my credit XXXX $ and they refused to delete it their phone number is not listed but address as listed is XXXX XXXX XXXX XXXX XXXX MS XXXX

Company response to consumer: Closed with explanation