BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-21
Company: EQUIFAX, INC.
State: OR
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 XXXX I took out a home improvement installment loan with XXXX XXXX XXXX to install solar panels on my home. The next year I sold the home but continued paying the installment loan. In XXXX my business failed and I was near bankruptcy. I decided to pay as much as possible to all existing debt rather than file for bankruptcy. I made an agreement with XXXX XXXX. and they charged off the remaining amount of {$6500.00} in XXXX of XXXX. In XXXX of XXXX I applied for a home loan to purchase a new house. I was denied and told I had credit concerns involving a past Home Mortgage loan. I have never missed a mortgage or rent payment in my life. 
I called and found that XXXX XXXX reported to the credit bureaus the home improvement installment loan, but the XXXX report FALSELY labeled the loan as a Real Estate Loan/Mortgage loan. I asked XXXX XXXX to fix the error. They sent a detailed letter to the credit reporting companies telling them it was a " Home Improvement Installment loan. '' They apparently ignored the letter and nothing was changed. ( see attached response from XXXX ) This error will prevent me from qualifying for a home loan for 4-6 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been trying to get a payoff on our mortgage from the lender because we are in escrow and are ready to close on a sale but the lender/services has failed to provide a payoff for several months. There was a " Shared Appreciation '' modification agreement signed in 2012. We need an updated payoff with the correct calculation based off of the agreement and the lender has failed to produce this. They're charging daily interest and we have run out of funds to cover in escrow all due to the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Navient Solutions, LLC.
State: NJ
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:
XX/XX/XXXX : I was contacted by Navient that I was eligible to have my school loans with XXXX XXXX XXXX XXXX XXXX University discharged as a result of school closure. The letter ( see Attachment 1 ) provided an attachment application for the loan discharge and directions to follow.

XX/XX/XXXX: I was contacted by Navient ( see Attachment 2 ) that my application had been approved. The letter stated that my obligations to repay a total of 6 loans were fulfilled and the loans were discharged.

XX/XX/XXXX : Per my request, my additional remaining Direct Loans serviced by Navient totaling {$80000.00} were then consolidated with XXXX XXXX for a lower interest rate.XX/XX/XXXX : I received a letter from Navient that 11 loans had been paid in full -- rendering my account balance at {$0.00}.

XX/XX/XXXX: I received a series of emails from Navient notifying me of new correspondence in my Navient inbox when I log in ( see Attachments 3-8 ). Upon logging in to my account, my account balance with Navient was listed at {$57000.00} ( a capitalized interest of {$8000.00} ) with the first payment of {$660.00} due on XX/XX/XXXX. Refer to Attachment 9. The balance reflected were the loans I had previously had discharged on XX/XX/XXXX. Additionally, one correspondence stated that the 6 loans I had previous had discharged have been successfully enrolled in AutoPay. This request was not authorized by me. Also, the checking account connected to the AutoPay debit was an old account that I have previously closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently transferred to a new servicer, Carrington Mortgage Services. I was planning to make online payments like I had been doing for years with my prior servicer, XXXX, but Carrington charges a {$5.00} convenience fee to make an online payment. Fine, then Ill mail it XXXX. My complaint isnt about that, its about them not sending me a statement. I have been paying my mortgage payment as soon as I get my statement, which is typically several weeks before it is due. But the past few months, even though they have gotten my payment well before the due date, Im not getting the next statement and payment coupon until later and later into the next month. Pretty soon Im not going to get it until the day it is due! This is XXXX all around. They should offer free online payments, and they should be required to process payments as soon as received, and then immediately issue the next statement. They are basically delaying as much as possible, counting on the borrower to get the statement late in the month, maybe set it aside, forget about it for a time, and then before you know it, its late. Terrible business practice. I hate this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
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 have contacted Equifax numerous times to dispute an account that is not mine and may be a possible case of identity theft. I have no memory of this account.I have asked that this account be removed after exercising my right under Section 609 ( a ) ( 1 ) ( A ), the requirement of creditors and credit reporting agencies to verify accounts through physical documentation, verification of the original signed consumer contract. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I have requested such documentation from the original creditor and have not been provided anything. I also requested physical verification from XXXX XXXX, who in turn, removed this account from my XXXX XXXX  Credit file. Somehow, Equifax is verifying data without furnishing any proof of a proper investigation or obtaining the physical proof required by section ( a ) ( 1 ) ( A ) of the FCRA.

When asked about this, Equifax personnel replied that they use the XXXX XXXX  system to verify debts. This is not acceptable. Equifax keeps verifying information that is incorrect by basically matching numbers already in their data base, thus making it next to impossible to remove an account that isn't mine to begin with. This is not a reasonable investigation and their willful noncompliance is a violation of my rights as a consumer.

This is my last step in trying to resolve this issue before seeking relief and monetary damages for violations under FCRA sections 616 & 617

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 XXXX I took out a home improvement installment loan with XXXX XXXX XXXX to install solar panels on my home. The next year I sold the home but continued paying the installment loan. In XXXX my business failed and I was near bankruptcy. I decided to pay as much as possible to all existing debt rather than file for bankruptcy. I made an agreement with XXXX XXXX. and they charged off the remaining amount of {$6500.00} in XXXX of XXXX. In XXXX of XXXX I applied for a home loan to purchase a new house. I was denied and told I had credit concerns involving a past Home Mortgage loan. I have never missed a mortgage or rent payment in my life. 
I called and found that XXXX XXXX reported to the credit bureaus the home improvement installment loan, but the XXXX report FALSELY labeled the loan as a Real Estate Loan/Mortgage loan. I asked XXXX XXXX to fix the error. They sent a detailed letter to the credit reporting companies telling them it was a " Home Improvement Installment loan. '' They apparently ignored the letter and nothing was changed. ( see attached response from XXXX ) This error will prevent me from qualifying for a home loan for 4-6 years!

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 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There's 6 unknown addresses on my credit report,

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 2018-12-05
Company: EQUIFAX, INC.
State: VA
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 about XX/XX/2018, I received confirmation from Equifax regarding the removal of the XXXX/XXXX  account from my credit file. However, on about XX/XX/2018, I hired The XXXX XXXX to challenge the items found within my credit file. The XXXX XXXX XXXX stated that when Equifax deleted The XXXX/XXXX  account from my credit file, they failed to also delete the negative history associated with XXXX/XXXX  account from my credit file. Today XX/XX/2018, I spoke again with Equifax. I explained the issue Equifax. 

The representative at Equifax stated they did not receive the dispute regarding XXXX/XXXX until Saturday XX/XX/2018. Based on their response, I contacted The XXXX XXXX XXXX again. I presented the response I got from Equifax. The XXXX XXXX XXXX has indicated that they electronically submitted the dispute on XX/XX/2018. That means Equifax has had this dispute for more than a few weeks now. XXXX XXXX stated that Equifax would have received the dispute almost instantaneously on XX/XX/2018. Prior to ending the call with Equifax, The representative further indicated, they must send this information to XXXX and start the process over again. There are a few issues here. 

Equifax should have cleared the deletion of the negative history when they deleted the item. Today, an Equifax member provided me with information that conflicts what the XXXX XXXX XXXX has stated. Also, both XXXX  and XXXX  where both able to resolve get everything done correctly the first time, so Why didn't Equifax? I'm in the process trying to purchase a home. The time that Equifax is taking to get this right creates issues for me such as more money in terms of down payment, higher interest rates, and or could be reducing that amount I can qualify for when buying my home. This needs to get fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company, which I have no contract with nor have received any services from them, reports a collection account on my credit file in the amount of {$480.00} with XXXX Credit Bureau. I requested validation of this debt and account on XX/XX/2018. However, the company failed to provide me adequate proof. Acknowledging this company has no contract with me for services or can provide me adequate proof for this alleged debt, I am not obligated to pay.

15USC1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Fidelity National Financial, Inc
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company sent letters about delinquent account after approving the loan for forebearance. 

A letter was sent to us saying that immediate action will be taken if we do't pay the loan that they informed us they had placed in forbearance due to COVID 19

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I've disputed with the credit reporting agencies that Bankruptcy # XXXX and # XXXX does not belong to me. The Bankruptcies Names and Social Security numbers do not match. Credit Reporting Agencies fail to establish correct name and social security. Social Security number is not linked with name according to Social Security Administration and Bankruptcy Court during the time the the filings claimed to be made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: Lewis, McDonnell & Associates
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am filing a compliant due to the fact XXXX  is reporting incorrect information on my personal Credit Report. On XX/XX/XXXX XXXX  started reporting the folliwng Account # XXXX Original Credit : XXXX XXXX  stating that I own a balance of {$3800.00}. This account is now assigned to another creditor by the name of Lewis McDonnell & Asso. This account is not mine I am a victim of Identity Theft and have never agreed to conduct business with this Creditor. I have contacted XXXX  via Mail and Fax asking for validation of this debt on XX/XX/XXXX and again on XX/XX/XXXX I also provided a copy of my ID and Social proving my identity informing XXXX  of my Identity Theft issues, they have failed to reply in resonable amount of time to provide me with any evidence that this debt is mine, I ask that you now please remove this account from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

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 2018-12-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A balance transfer payment was made to my XXXX XXXX Credit on XX/XX/2018 in the amount of {$1700.00} check number XXXX from my Cardmember Service account. The check was cashed on XX/XX/2018. I have supporting documents ( front and back of check ). I forwarded the documents to XXXX Payment Inquiry Team as requested on XX/XX/2018. As of XX/XX/2018 the issue is still not resolved. I have spoken to several different supervisors and was told an investigation is being done. Each time I get an apology but they need more time. I was told the payment was posted to another account. This is totally unacceptable. In the mean time I am responsible for payments to XXXX Credit to avoid late fees. I have had to have late fee reversed on the initial occasion. Please help.

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 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have over 21 closed account that should have been 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 explanation
Consumer complaint received 2020-08-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
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:
Hello- I have been mailing letters, calling and emailing and have not received a response. I spoke with a representative in XXXX regarding a settlement letter I received for my account and settled my account with her that day. The amount was {$1500.00}, on XX/XX/XXXX. 

( XXXX ext XXXX XXXX XXXX ) It is now XXXX and not only is my credit report not updated to show as settled with no balance due, but Nissan is also stating that they have no knowledge of this because XXXX has not notified them. I spoke with XXXX ( the debt collector ) in XXXX and the lady stated it is showing as settled and sometimes it takes time and if it was not showing by XX/XX/XXXX, to do a dispute with Nissan. 
I do not like that I was lied to and possibly stolen from. Why would the representative state that the account was settled in full, and simply take my money and never report it as settled. I would not have randomly paid {$1500.00} to just deduct from the balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I signed up for a checking account promotional offer that I was targeted for via snail mail from Citibank. The offer consisted of the following requirements : XXXX AA miles bonus when you open a Citi Priority Account Package and make {$750.00} in debit card purchases and pay one or more bills for two consecutive months. On XX/XX/XXXX I had completed all requirements which were two consecutive monthly bill pays to XXXX plus a {$750.00} debit card purchase. 

Because we're 3 months past the fulfillment of the requirements, I checked with Citibank via online chat what was the status of the bonus. I received the following from the chat rep in regards to my request to check on the status of my promotional offer being disbursed : " You are correct. {$750.00} was made within 60 days upon opening which is XX/XX/XXXX. Two consecutive months bill payments made 1 in XX/XX/XXXX and the last one is XX/XX/XXXX. 
XXXX at XXXX, XX/XX/XXXX : And it states that : XXXX at XXXX, XX/XX/XXXX : The AAdvantage bonus miles will be credited by Citibank to the AAdvantage account within XXXX calendar days from the date when the client completed all offer requirements. Bonus miles credited will be based on the consumer account package at the time of qualification. 
XXXX at XXXX, XX/XX/XXXX : This should be posted automatically by XXXX Thursday. '' On XXXX I received an email notification that I did not meet the requirements. The following language was Thank you for choosing Citi for your banking needs, and for your enrollment in the Citibank {$600.00} Checking Offer ( " Checking Offer '' ). Unfortunately, we have determined you have not fulfilled the Offer 's required activities for the following reason : The required deposit balances were not met during the offer period My mailer offer was NOT for {$600.00}. It was for XXXX AA miles. The requirements were {$750.00} in debit purchases and two consecutive monthly bill pays. Citi may have a {$600.00} checking account offer that is worth {$600.00} bonus but this was not the offer that I received. 

I am seeking a resolution to this issue that Citibank is notorious for, not fulfilling offer promotional terms and conditions.

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