BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: CT
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:
For the past 2-3 years I have tried to get 4 student loan accounts that should have aged off my report 6 years ago. XXXX XXXX and equifax disputes has always resulted in saying the creditor has deemed the information accurate and therefore will stay on my report, despite all evidence I show otherwise. I have tried disputing with XXXX as that is the company both XXXX  and equifax tells me is the company reporting the items. I filed two complaints against XXXX through CFPB. The second complaint resulted in XXXX reiterating they are not the ones who are reporting, XXXX  is. XXXX also instructed to call the number XXXX, listed on my credit report, for any concerns specifically for the credit reporting in question. That line connects directly to XXXX. I also contacted XXXX and as I have said over and over again, they have checked the national credit bureaus and there zero records of any reporting is being made. I showed them the items in question and they instructed me to contact XXXX. So if XXXX  claims they are not the ones reporting, and XXXX says there are no records of any reporting being made, why are these accounts that are negatively impacting my score still on my report??? Why do both credit bureaus refuse to delete these marks off my credit report if both companies claim they are making no such reports to them. I have contacted XXXX, XXXX, XXXX XXXX, Even XXXX  XXXX XXXX - they all claim they are no records of them ever reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent many letters, requesting debt validation and the company refuses to respond. They send statements that are irrelevant and not from Portfolio Recovery Associates. 
I do not have a contract with Portfolio Recovery Associates, nor do I want one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage company still has not paid my property taxes for year 2020. 
I have been calling them since XXXX and every time I'm getting the same answer " we are working on the issue and we are sorry ''. but no one can tell why ma taxes hasn't been paid. Last month I received a 2nd delinquent notice from my county. 

Amount to be paid is : {$8800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX We applied for a refinance loan with Velocio mortgage. On XX/XX/XXXX we signed the initial loan estimate which included a {$4100.00} credit to offset the loan origination fee. On about XX/XX/XXXX we were informed that the rate had been locked and we would be closing soon. On XXXX we were sent the final closing disclosures and Velocio mortgage had to remove the {$4100.00} credit and could provide no explanation other than they intended that credit to offset our taxes and had decided not to offer this credit. We feel that this was misleading, because throughout the loan process that credit had been part of our disclosures. Without that credit we were unwilling to pay the rate that they offered. Velocio Mortgage and XXXX XXXX XXXX  XXXX understood that by not offering the credit they would put us in a bad position and therefore would force us to pay them an additional {$4100.00}. We did not agree to the revised terms the day before closing. This is really unethical treatment especially for a company who has all of your financial information and understands the position that theyre putting you in. We hope you will review this complaint so that other people dont end up in the same position. 

Best regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Social Finance, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I reached out to SoFi Lending on XX/XX/19 for a mortgage loan on a foreclosure property I am buying in XXXX NJ. The pre-approved me, they requested all my personal and financial documents. I uploaded every document they asked for on their wed side including the executed contract for the property. I asked me to pay for an appraisal {$490.00}, but my checking account was charged {$520.00}. A few weeks ago I was issued a commitment letter for this property. I did a home inspection for {$450.00} and also obtained a XXXX for {$650.00}. My attorney fees are {$1400.00} and sellers attorney have a certified check from me for {$1000.00}. My closing date was for XX/XX/19 at XXXX XXXX. On XX/XX/19 one of SoFi manager called and told me they wouldn't be able to funded my loan because they just found out the property taxes are to high for income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent numerous emails with no response also talked to representative, telling me i need to fill out forms to get a credit they want me to prove where i live and send them proof, for at least the past XXXX yrs. they knew where to send billings in XXXX also the summer home was put on vacation mode every winter for XXXX yrs.also when I originally requested service I need to supply them with all types of personal proof plus SS. # I sold the property this past summer and returned their Equipt.They want me to supply them with infro. that they have already, their putting the burden on the customer to prove their nonsence I am not proficient on computers either, my summer home was in XXXX. my main residence is in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Several times now, I have reported to Bank of America fraudulent activity resulting in {$8000.00} worth of unauthorized withdrawals from my account. I have been given the runaround for months now, with BofA representatives refusing to give me straight answers at first, and ultimately denying my requests for reimbursement of the funds. 

On XX/XX/2019, I saw that on XX/XX/2019, {$6000.00} had been withdrawn from one of my checking accounts and {$2000.00} had been withdrawn from another checking account. 

On that same day, I went into the XXXX XXXX, California BofA branch, where I have been banking for years, and spoke with XXXX, the branch manager. XXXX informed me that the only way I could recover my money was if I obtained a subpoena from a court, requiring them to look through their recorded video to confirm that it wasnt me that had actually withdrawn the money. I objected to having to go to court to challenge the fraudulent withdrawal, but XXXX insisted that this was my only recourse. 

I then contacted XXXX, explaining that I was the familys attorney, and was told the same thing. I told her that BofA has established processes in place to investigate fraudulent transactions, and I was sure they didnt include requiring customers to hire legal counsel to obtain a subpoena to investigate a matter. XXXX seemed extremely flustered and asked if she could research the matter and then call me back. I told her I was appalled at her inability to handle the situation, and said I would await her callback. 

In the meantime, my sister, who had previously served as an insurance fraud investigator, contacted BofA 's fraud department to report the activity. On XX/XX/2019, a representative named " XXXX '' worked with me to file claims, and he told me he would send me a form to fill out. I never received these promised forms. 

On XX/XX/2019 and on XX/XX/2019, I received denials of my claim, stating that my debit card and PIN number had been entered for the withdrawal. 

On XX/XX/2019, I requested that they reopen the claim, explaining that it is a well-known scam for perpetrators to skim card and PIN information from bank machines. I was told that they would review the claim again, this time pulling video, and asked that I give them up until XX/XX/XXXX to respond. I never received a response. 

On XX/XX/2019, I called again and spoke with XXXX, who told me to send in yet another claim form, as they didnt have any of my previous claim forms.

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 2023-11-04
Company: Modoc Tribe Financial Services Authority
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The company charging $ XXXX for a {$1500.00} loan taken out XX/XX/XXXX. The payoff is XX/XX/XXXX for {$800.00} which I will struggle to pay. All of the payments are going to interest instead to the principal. 
I have extended the loan but want to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX of 2023, I mailed a letter to XXXX, XXXX, and Transunion to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

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 2023-08-14
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: Personal information incorrect

Complaint:
5th Attempt pls correct my address THIS IS THE ONLY CORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX Texas XXXX Please delete all other addresses I have sent certified letters 4 times and made a complaint with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I would like to submit an address update to my file, The only addresses that should be on my report are XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX. 
The other addresses need to be removed immediately as I haven't lived there in over 10 to 20 years. No accounts are relevant to those outdated addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: NY
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 to the Fair Credit Reporting act this creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666 B a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
State: KS
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:
Experian not only leaked my information but also Items being placed upon credit report despite a credit freeze and fraud alert on the account. No attempts to contact me to verify the information. Unable to speak to a representative to place a dispute against invalid information. I have had no difficulties with other agencies, only this one. 

XXXX XXXX XXXX is a disputed account. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX is not now nor has ever been my address. 

My current mailing address Since XX/XX/XXXX XXXX Past 19 Years ) is XXXX XXXX XXXX, XXXX KS XXXX and is still correct. 

Physical address of XXXX XXXX ( or XXXX XXXX XXXX, XXXX KS XXXX has been my address since XX/XX/XXXX. 

Physical Address of XXXX XXXX XXXX XXXX, KS XXXX from XX/XX/XXXX to XX/XX/XXXXXX/XX/2007

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 2019-08-12
Company: Concord Servicing Corporation
State: CA
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 notified in XX/XX/XXXX via phone by Blackwell that I was in collections with XXXX for my quarterly dues, which in fact I was and did not dispute, due to incorrect ownership information. They had my ex husband 's contact information, and I am the owner by court order of the XXXX XXXX. I paid those dues once notified on XX/XX/2019 directly to XXXX, as that is who my account is with and whom I should have been paying. I was notified mid XX/XX/XXXX that I owed an addition {$75.00} for late fees, by my EX HUSBAND, who received a call, I went the same exact day and paid the {$75.00} on XX/XX/2019 to XXXX for a late fee. I received a call on XX/XX/2019 from Blackwell stating I now owe over {$200.00}. I have tried getting information from XXXX and Blackwell. I have sent a request in writing requesting a detailed statement of everything I have been charged, and why, when the payments were received and posted. I also have asked that all fees be in line with my original contract with XXXX. They are not responding to my request. They are only leaving voicemails. Please advise on how I can get help. I believe that XXXXof the $ XXXXis my quarterly fees due XX/XX/XXXX I am willing to pay, however, I should have been told that previously. I am not being notified until it convenient for them to 'collect '

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX  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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2020-01-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They did not send me any emails or letters in the mail to the correct address to verify the attempt to collect debt.

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 2022-10-05
Company: Experian Information Solutions 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:
XXXX/Experian- I have been trying to dispute a line of credit under XXXX XXXX that is showing on my credit reporting. I am being shown as an authorized user on a line of credit labeled XXXX. After calling XXXX XXXX I was told the account is not linked to my name, social, email, or phone number but yet is still showing on my credit reporting and lowering my credit score significantly as the account is delinquent by over {$6000.00}. I can see that the account was opened in XXXX it but didn't start showing on my credit report until XXXX. I have since tried to dispute the account a few times with XXXX and with Experian. Both have come back saying information is correct and to remove the account I would need to contact XXXX XXXX  XXXX 

XXXX XXXX XXXX XX/XX/XXXX I spent an evening and multiple phone calls back and forth with XXXX and XXXX credit department trying to remove the account. Multiple people looked into account but can not find anything linking me to the account that is showing on my credit reporting. They told me they could not do anything and that I would need to go to the credit bureaus to have it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have had a vehicle financed by Credit Acceptance out of MI since XX/XX/XXXX year. Prior to signing the agreement I was informed they would install a device that disables the vehicle and avoids and repossessions. However, they have repossessed the vehicle 3x without every using the device. The have generated additional fees, created a higher payment amount and all this along with the increase stress and difficulty of getting to work, doctor, church, etc. 

They raised my monthly balance due ( from {$410.00} to {$460.00} ) and changed my due date ( from XX/XX/XXXX tof XX/XX/XXXX ). When I spoke to them last week and said I would be one week late, the said there's nothing they could do cause the account is 70 days late. IT IS NOT. I've been making timely payments. They increased my monthly amount due in order to avoid such a thing. 

Needless to say, that 5 days after I called them, they repossessed the vehicle for a 3rd time. This is unheard off and complete scam. The lied about the purpose of the device ( it's only used for tracking ), they lied about the increased amount which brought the account up to date. ( Mind you, the only reason I'm in this situation is because they continue to repossess the vehicle for only being 1 week late )

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 2022-10-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Pennymac Mortgage payment was made online on XX/XX/2023. Due to a bank delay in processing a deposit made on XX/XX/XXXX which was suppose to clear in time to cover payment for Pennymac made on XX/XX/XXXX my payment was reversed. 

A new payment was made on XX/XX/XXXX and processed, I was advised on XX/XX/XXXX the payment will take up to XXXX business days to process and I don't need to be concerned as they will make sure credit bureaus are updated to show payment was made successfully. 

As of today, XX/XX/XXXX XXXX has reported my payment was never made which is not the case and now my credit has dropped XXXX points as they can't give me an answer when they can update the bureas to reflect my account was paid Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief