BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: Ocwen Financial Corporation
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Recently we refinanced through XXXX XXXX and they sold the loan to PHH Mortgage Services. After our loan was sold to PHH, the service on our mortgage account has been horrendous. They do a terrible job of communicating and applying our payments. XXXX XXXX  sent us a letter on XX/XX/XXXX after our refinance was complete. It gave the address of where to send the first payment to PHH and the due date of XXXX. So I set up the address on XXXX XXXX pay and sent the first mortgage payment on XX/XX/XXXX. PHH did not get the payment posted for XXXX until XXXX!! I called XX/XX/XXXX to find out where our money was because it cleared out of our XXXX XXXX  account. The PHH call rep said, " Nothing will post until after XXXX because we still don't have your account all set up. '' The payment for XXXX posted on XXXX. On XX/XX/XXXX I sent the second payment. It was also applied on XXXX. The statement we received from PHH on XXXX showed the second payment was applied to the XXXX payment. So no additional payment was required until XXXX. So I did not send a payment for XXXX. Today I just received in the mail two items from PHH. One is a refund check for the XXXX payment I sent. They coded it as " For Misapplication Reversal. '' The second item was a bill showing us past due for the XXXX payment. I am beyond frustrated with their terrible service!!! I am looking to refinance with a better mortgage company. It is unacceptable and my credit score better not be impacted as a result of this inept company!! I have called the PHH XXXX # numerous times and have been disappointed in their lack of knowledge. Plus, I get a different address to send payments to each time. I have no trust that they can manage my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: MA
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:
GOOD AFTERNOON XXXX XXXX XXXX XXXX - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2022-03-01
Company: EQUIFAX, 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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Foris DAX, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I use this cryptocurrency exchange called crypto.com. I sold some cryptocurrency ( XXXX  ) for an emergency. I then transferred it to another exchange ( XXXX  ) and it is usually instant but for some reason this time it took hours to proceess. I reach out to the team, and they explain that I have done nothing wrong and I should get money shortly. I have been waiting for 6 hours for my money, and I needed it for an emergency. Now the exchange claims it doesn't know when I will get my money. I am worried, and I know it is not a lot of money but it is mine. They refused to give me an ETA, and I don't know what to do. I wanted know if you may please help me. 

Thank you.

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 2023-04-22
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: Their investigation did not fix an error on your report

Complaint:
I have unauthorized/inaccurate accounts on my report that need to be removed ASAP.

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 2023-04-22
Company: EQUIFAX, INC.
State: TN
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 30-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 2022-03-01
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any assistance fromn a third party or agency. Please see the provided documents attached and ID as it entails my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I called XXXX XXXX three days before my bill was due. Due to unfortunate circumstances, I am not gainfully employed sufficiently to make the payment. I requested a deferment of my loans while I work on resuming gainful employment. The agent on the other hand said that they would need time to research deferment of my loan. I told the agent that the payment date was due in a few days, and I needed to avoid defaulting or getting a late payment charge. The agent told me not to worry, and that after he had finished his research it would be easy to rectify any late payment. I waited out the three days without hearing a word back from the company. I called today to discuss the matter with them, and they continued to give me the same run around. They said that they hadn't completed their research, and that they would need five more days in order to get  back to me. The agent then tried to sell me on a different payment plan, that would have resulted in exorbitant additional fees to a former student already struggling to make payments. While I continue to get told that they are researching the matter and that they will get back to me in an ever increasing number of days, the account is not showing as a late payment, with tacked on late fees, and they are going to proceed to ruin my credit. I have always made my payments on time, or in excess of the amount necessary, unfortunately I am not in a financial position to do so at this moment. I feel their practices are predatory and are designed to financially punish students through deceptive practices, rather than assisting students to successfully repay their loans, and it is through their deception that payments go into default or show up as late on credit reports. Researching a deferment shouldn't take 8 days. They have obviously studied the laws and worked diligently to try and work loopholes in the system that work against the citizens in favor of their own corporate greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax a few weeks ago informing them that I have been a victim of identity theft. All of my personal things were taken now are attempted to be used to open accounts in my name. They did nothing but sent me a computer generated letter. I called and spoke with customer service & they told me my dispute was not processes because I put inquires in the account section. I have corrected the information and attached to this complaint. Please delete the inquires on this identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: MA
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:
GOOD AFTERNOON XXXX XXXX XXXX XXXX! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: MA
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:
GOOD AFTERNOON XXXX  XXXX XXXX  XXXX! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
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 is maliciously and intentionally reporting inaccurate information on my credit report and Experian is allowing them to. It is injurious to my credit rating and overall financial status. I have disputed this account with Experian numerous times and it was illegally verified as accurate. I want this inaccurate, injurious, erroneous information removed immediately from my credit report. 

Every month they update my credit report with a balance that in no way shape of form matches the information that they have sent me. Every time that I dispute the account, Experian comes back as verified as accurate. I have also sent Experian documentation that I have received from the creditor stating the balance, however they informed me that it doesnt matter what I send them, they go with what the creditor tells them. I have attached the backup for my claim and I would greatly appreciate it if you would help me get this remove immediately.

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 2017-04-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2020-10-27
Company: Experian Information Solutions Inc.
State: VI
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:
A credit line from XXXX  XXXX has been reported as upgraded or deleted on or from my credit report on XX/XX/2020 and I had a XXXX XXXX decrease because of that. The credit Tradeline from XXXX  XXXX was never mine so now that they have removed or updated the Tradeline, I am asking that the XXXX XXXX hard inquiry on my credit report be removed from my credit profile.

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 2017-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
capital one credit card division has an inside credit card scam going on and they know it.imposters using burn phone to order and send cards to your home only to devert them at the last minute to other package carrier locations for pickup, looks legitimate and they send the dogs after you to pay up.its a long story that started in XX/XX/2016 and i just busted their whole operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Centralized Business Solutions Company
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: Information belongs to someone else

Complaint:
I was told this shouldnt be on my credit report because I was a minor and their were going to take it off because it was supposed to go with my mother i was XXXX at the time and its been 4 months and it remain on my credit report this is messing with a huge part of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Flagstar Bank, N.A.
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: Account information incorrect

Complaint:
I received COVID-19 loan forbearance from XX/XX/XXXX- XX/XX/XXXX. Per the U.S. Department of Housing and Urban Development 's COVID-19 Recovery Loss Mitigation Options Mortgagee Letter XXXX, mortgagees must waive all Late Charges, fees, and penalties, if any, as long as the Borrower is on a COVID-19 Forbearance Plan. 

In XX/XX/XXXX, I was charged a late fee of {$50.00} that to my knowledge hasn't been reversed, and additionally, I was reported 30 days late to the credit reporting agencies. It also appears for some reason there was no reporting for XX/XX/XXXX, which should have been reported as current. 

Please report as Current for XXXX and XX/XX/XXXX, and credit my account {$50.00} for the late fee that was charged in XXXX. This is affecting my credit score and ability to get better interest rates.

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 2019-03-17
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was with Seterus Mortgage company and in XX/XX/XXXXand in XX/XX/XXXX I requested mortgage assistance sending in mortgage assistance documents. I was told on both occasions that I did not qualify for any type of assistance and that I needed to submit payment. On two occasions I wired funds and they were returned because they said it was not the full reinstatement amount. The week of XX/XX/XXXX I spoke with an agent and he said that I may qualify for a repayment plan since my hardship was over. He told me what I needed to do and that I would need to have at least half of the amount I was past due on hand. The next week I overnight a cashier 's check in the amount of {$6000.00} to them with the retention letter that he told me needed to be included. The next week I receive a letter stating that my mortgage was being sold to a company called Mr. Cooper effective XX/XX/XXXX. I called Seterus and asked would this have any impact on my repayment plan process and was assured that it would not. On that same day I received the cashier check back from Seterus. On XX/XX/XXXX I contacted Mr. Cooper and was told that they were considering a loan modification, because I could not be considered for a repayment plan because the mortgage had already gone into foreclosure. Seterus never discussed that with me. I learned on Friday, XX/XX/XXXX that I did not qualify for a loan modification because the loan has previously been modified 3 times. I only recall twice. I was told that I have until XX/XX/XXXX to come up with the reinstatement amount of XXXX. I only have the XXXX that Seterus returned. I feel that Seterus should have not made me think that I was about to be in a repayment plan and now Mr. Cooper won't even consider helping me unless I come up with the full amount in two weeks.

Company response to consumer: Closed with explanation