BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
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:
I am very concerned because my credit reports have a discrepancy with this account. I am a very concerned consumer and do not know what is correct. If you look at the letters sent to the credit bureaus, I have highlighted all these discrepancies. 

I have been denied getting my first home because of this. I have asked them to remove this from my credit reports and they have only sent me a generic response and have not remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Navient Solutions, LLC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2020 Send a letter directly to the creditor send a letter directly to the creditor XX/XX/2020 Sent a letter to the credit bureaus I also sent a demand to comply letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: NE
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:
In response to the account XXXX/XXXX  # XXXX, that was deleted from my Equifax Consumer files on XX/XX/2021, multiple FCRA violations have been committed on behalf of Equifax in regards to my consumer rights. Such violations have caused my Fico score to drop significantly and has hindered my ability to attain credit products. 

1. This account reappeared on my Equifax report on XX/XX/2021. I have not received any documentation that Equifax has received any new documentation urging them to reinsert this account from the original creditor. Simply saying that they have new information does not suffice, as I, the consumer, must have proof of this new documentation, which I have never received. I have only received a notice saying it was reinserted, with no true proof that an investigation was conducted nor new documentation found justifying its reinsertion. Neither did I ever authorize this reinsertion 1. Violation FCRA 611 ( 5 ) ( B ) ( i ) and 2. FCRA 611 ( 5 ) ( B ) ( ii ) 3. Violation FCRA 611 ( 5 ) ( C ). Procedures to prevent reappearance I, XXXX XXXX XXXX, have every reason to believe that Equifax has not maintained reasonable procedures to stop this account from reappearing on my credit report within these three federal statutes : As I was never made aware that correspondence was ever made between Equifax and XXXX after XX/XX/2021 and between XX/XX/2021 when the item reappeared. 

Equifax sent me a notice in the mail dated XXXX XXXX. Such notice stated that the account was verified on my credit report. Yet no explanation as to how they were able to verify this information was included. I have reason to believe that Equifax has conducted no reasonable investigation into the reinsertion of this account. My consumer rights have been violated and I am prepared to file suit against Equifax in small claims court pursuant to FCRA 616 and FCRA if this item is not promptly deleted from my Equifax credit profile. 

I urge that you make Equifax aware of the amount of compensatory damages that I am owed as a result of their negligence and FCRA noncompliant behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Consumer Collection Management. 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:
Medical debt from my husband was placed on my credit report. Our insurance delayed payment and the debt was sent to collections. Our insurance finally paid but the deductibles and copayments remained in collections ( amount owed updated on credit report ). We worked with  Consumer Collection Management Inc. to  pay off the medical debt. I received a letter from them on  XXXX / XXXX /   2016  that all medical debt was paid and that it would be removed from my credit report.  XXXX  accounts remain on my   XXXX   report and are being reported as " open. '' I have disputed the items and also contacted the company however I have not received a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MRS BPO has contacted XXXX and negativley affected my credit report ( which was OUTSTANDING ) that they represent a debt for collection. They will not tell me who they represent. MRS BPO is listed as a collection agency representing their client ( unamed ) on my credit report as some entity who claims I owe money. I have no idea who MRS BPO represents and have never received a bill from them OR their client. 

I need them to immediately provide me with this information : # 1 ) signed contract or application where I allegedly obtained credit with you.. # 2 ) Copies of all invoices mailed to me during the time I allegedly had an account with their client including what services they provided to me. # 3 ) Verification of all payments made by cash, credit card, bank debit or check on this account during the time it was open. 

Please mail this information to me within the next ten ( 10 ) days or remove this from my credit report as erroneous and do not ever attempt to collect this false debt from me again. 

By copy of this letter, I am notifying XXXX, XXXX and XXXX that I am filing a formal dispute of this account. 

I am also notifying the XXXX, Consumer Protection Division of the Office of the Attorney General in New Jersey that you are violating the FDCPA and the FCRA by reporting an account I DO NOT OWE AND HAVE NEVER HAD TO the credit bureaus. 

You may mail your response to me at the address on the account. 

cc : XXXX, XXXX XXXX, XXXX and CFPB, Attorney General Consumer Protection Division, XXXX, New Jersey

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05
Company: Google Compare Credit Cards Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am having issues with Google I have a balance of  XXXX  on my account for purchasing  Google play  cards in the last week I have had my account closed are I purchased these and redeemed them upon doing so I made a new account and had the money switched to another account in which they closed it as well I have been on and off the phone trying to get my money refunded back and I 'm being told they wo n't give it back I was stolen from to begin with which is why they say they closed it initially I understand that but I made a new account and they still closed my account and are unwilling to return my money back to me I feel this is illegal for them to keep purples money like this I should not be penalized for someone having my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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   client  XXXX   XXXX  is an identity theft victim. His information was used to try to establish credit accounts without his consent.  I dispute of one such application was sent certified mail to Capital One by our agency on behalf of our client. Capital One replied to our client informing him " no account was found '' and asking for information about the fraud investigator that was assisting the client ; questions like, financial information about the LPOA issuer, the SSN of the issuer, the job title, the home address, things not related to what a Limited Power of Attorney addresses. The LPOA submitted was to speak on the behalf of, that is all. In addition Capital One failed to even read the dispute infor mation provided. We are not disputing an account ; we are disputing an application and requesting the inquiry generated be removed as outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage took over responsibility for servicing my loan for a property in Hawaii in approximately XXXX of this year. Prior to Freedom, my loan had been serviced for nearly 7 years without any issues by XXXX Mortgage. Before Freedom had even sent me an account number to which to send my payments, they sent me a late notice that I had failed to make a timely payment. 
Once I had an account number, I immediately made timely payments. However, Freedom continues to send me late notices claiming that funds are due on exactly the XXXX day of the month. If funds arrive one day later, they told me, they deem the payment to be late. This is not how the loan documents read nor it is it how XXXX ( or any other loan servicer I have worked with for the past 20 years on multiple home mortgages ) interpreted or enforced the timing of payments. 
In XXXX, I received notice from Freedom Mortgage that they were going to increase the amount of the escrow account requirement by approximately 30 %. My taxes and insurance have not increased by 30 % so I asked Freedom Mortgage to terminate the escrow account and that I would pay the taxes and insurance directly. Freedom denied my request claiming, among other reasons, that I did not have a record of timely payment and that my loan to value was more than 80 %. Since the matter of timely payment has been conjured entirely by Freedom, I objected to the former reason, and since my loan to value was actually in the 30 % range ( had Freedom performed any basic due diligence they could have found this out on their own ) I objected to the latter reason as well. 
I believe the facts illustrate that Freedom is manipulating escrow accounts in order to hoard funds that they can invest or borrow against themselves. They are pressuring and misleading borrowers and, with deliberate action, are misinterpreting loan documentation.

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 2019-04-16
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX a fraudulent account was opened in my name with XXXX. I contacted XXXX to start an investigation immediately and it was completed in XXXX. XXXX sent a request to Equifax to have the account removed and they did not remove it. I called XXXX again on XX/XX/XXXX and a second request was sent to Equifax to have this fraudulent account removed. It has now been almost 90 days past the second request and Equifax has not removed the fraudulent off my account. I have sent in letters with the document from XXXX stating the account was fraudulent along with documentation and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: FL
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:
Hello, I have contacted XXXX, Equifax and XXXX  regarding inaccurate information reporting on my credit report about " XXXX XXXX XXXX XXXX XXXX '' I think the agencies bureau act intentionally reporting false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Franklin Credit Management Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying for the past 3 year to get this loan modified with XXXX XXXX who is my second mortgage with no luck as they require a substantial down payment which I do not have. This current review was submitted on XX/XX/22 and on XX/XX/22 i was informed that I need to come up with a down payment of {$21000.00} which would have to be paid prior to the auction date of XX/XX/22 which it doesn't give me enough time to try other avenues and only if I am approved. As of today they have not provided me anything in writing as a denial or approval and the auction is 8 business days away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to check my credit. I do not have any agreements with them so the inquiry on my report needs to be remove. They are saying someone else requested but it was a pull from there company. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: SYNCHRONY FINANCIAL
State: FL
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:
Synchrony Bank sent me an email stating late comment reporting on my personal credit report will be removed for XX/XX/XXXX and XX/XX/XXXX. This letter was dated XX/XX/XXXX and also there was a Universal Data Form included as proof it was submitted. However, it was not updated on my personal credit report. I have contacted the company and was told it was completed but its not reflecting as corrected on all credit bureaus. This is for the PayPal Extras credit card.

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 2018-04-14
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are encountering a problem with Ocwen Loan Servicing that I believe is of sufficient severity and impact to require the enforcement actions of the Consumer Financial Protection Bureau ( CFPB ). These are problems that never should have started, should have been stopped a long time ago, and are still happening right now in spite of endless consent orders ordering them to stop this behavior. 

Ocwen does not answer its phone and it is not returning any messages while it is at the same time trying to sell our home on XX/XX/XXXX. 


9 calls now : 1. ) Tuesday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 2. )  Wednesday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 3. ) Wednesday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 4. ) Thursday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 5. ) Thursday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 6. ) Friday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 7. ) Saturday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 8. )  Saturday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 9. ) Saturday XXXX XXXX   XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE We really need help to put a stop to this. It is essential that people be able to communicate with a live person when the servicer is trying to illegally sell their homeespecially when it is illegal. We dont even know if these lawyers who are trying to sell peoples homes even have instructions or any authority to do what they are doing. We have to know what is going on in this situation. We have been continually fighting these problems with Ocwen, and the situation just keeps getting worse. They have been sued a number of times by the Consumer Financial Protection Bureau ( CFPB ) for problems like this, and they are legally required by court orders to handle these issues properlyand to not do what they are again doing right now. This problem is very serious and they are in clear violation of the law. They are ignoring numerous laws and consent orders. The CFPB must enforce these laws and orders. These illegal actions by Ocwen must be stopped immediately by any means necessary. The CFPB must take action to put a stop to this insane situation. No American citizennor anyone else for that mattershould have to go through this kind of experience in a civilized society.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Subject : Your submission, [ Case number :  XXXX  ] infinity response unacceptable.
they admitted that that unlawfully reposed my vehicle and they are in breach of their own contract now they have the audacity to bill me for the vehicle they sold I will be send them a Statement for all my time they are wasting and I expect a payment from them. this is not going to end. Nissan-infinity knows fully well what they have done and it is illegal. An official complaint will be filed in the county in courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My loan was charged off by USAA back in 2016. I have reached out numerous times and placed on 45+ minute holds in order to gather information about my charged off debt. I have been transferred to a department by the Member Debt Solutions team to provide me information, as well as tried to email and call   XXXX   XXXX   to see if he could route me in the appropriate direction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: Navient Solutions, LLC.
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Navient has affected my credit report although i haven't stop paying. 
XXXX has denied an uncreased on my credit due a delinquency report against my well done by Navient. 
on XX/XX/2019, Navient on PA has ignored my pay check for XX/XX/XXXX payment for about 3 weeks. Due t this fact, I went to XXXX to stop that check. According to the Banker the check wasn't cashed. 
Navient has case me a lot of trouble. Ones I went o XXXX and tried to use XXXX and they denied service to me. 
Navient has denied my loan forgiveness although I have 18 years working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   College Never disclosed all these issues abut XXXX XXXX student Loan. 
I did not know Sallie Mae was a private. when I Look at my bill, it is not clear, how much d still owe or by balance. Right know is finished my 10 years of payment, but it is not clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. They assumed this role without permission not only that you did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, unfair, and was partial. They never had a permissible purpose Under 1681 b number 2. I never instructed them to furnish this report and I never consented to this report in the first place. What I am requesting is that you guys delete all of these accounts off my report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Certegy Holdings, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
RE : Complaint against Certegy , Inc. for declining a legitimate and duly verified check of XXXX  XXXX XXXX, XXXX  and other Bank for a small amount of {$6.00}. ( In spite of having sufficient balance in the checking accounts. 

Esteemed Mam/Sir, On XXXX, 2021 at XXXX XXXX  I went to buy groceries a the local XXXX XXXX store ( Store # XXXX ) XXXX XXXX XXXX, XXXX, NC. My bills was for {$6.00} cents and I did use my credit card and instead wanted to make payment from checking account by presenting a check for groceries payments. 

My check was declined by the XXXX store cashiering machine saying that Certegy Check Services, NC identified my check as invalid and fake and refused so accept as a mode of payment for my groceries. 

Being a public holiday I had to call certifying and it took me an hour to finally reach a customer service representative. Despite giving all needed information and my drivers licensees numbers, social security numbers and personally identifiable information both on the automated system as well with the customer service representative, they refused to accept my legitimate XXXX  XXXX XXXX, XXXX check. 

I tired to use my another bank account and that too was declined in the similar fashion. This happened despite both my accounts having adequate money and despite showing the account balance on the banks mobile apps. 
In view of this Certegy, Inc not providing no explanation for the reason of decline of my legitimate bank issued check, and deliberate harassment and, discriminative attitude in decaling a legitimate bank issued check, a strict actions should be taken otherwise these companies will continue to harass and discriminate against older citizens without any reasons.

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