BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were granted a loan modification in XX/XX/XXXX. We signed the documents on XX/XX/XXXX. We were told the modification was recorded in XX/XX/XXXX, over one month ago. The modification has still not been 'updated ' in Flagstar 's system. We are constantly told they are working on it with no further updates.

We asked for a payoff request from Flagstar. The payoff statement we received reflects our prior mortgage and not our current one. Flagstar refuses to correct it. They said we have to wait until their system updates. We can not wait any longer but they will do nothing to help us. They want us to do a mortgage payoff with an incorrect payoff statement that is asking for {$70000.00} more than what is actually owed. This would be a fraudulent payment. With how much difficulty we have had, I am sure we would have even more trouble getting back our money if we overpay. Flagstar has given us no other choice but to overpay them by {$70000.00} because of their incompetence.

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 2022-05-13
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, this fictitious debt has been removed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX over the last 5 years the debt collection company now the 4th company to put the same fake debt on my credit so Frustrating I have zero collections perfect impeccable payment history. This company over the last few years keeps selling this fake debt to anyone that will try and collect on it its so unfair unethical and wrong! Please lets stop letting these crooks by trying to intimidate me to pay something I DO NOT OWE! This has gone one long enough how can these crooks get away with constantly reporting the same fake debt over and over and its been removed multiple times. I am so infuriated this has happen yet again. Columbia debt recovery has been harassing and threatening me for weeks they are an unethical law breaking company. I have want yo report them to the highest level please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection Consultants of California has unlawfully placed collections under my credit reports for debts that were paid to XXXX though a lawsuit and the court of law. I do not owe nor am I responsible for any debts placed against me as the court of law is handling an accident case which resulted in me being compensated for injuries and and physical damages and all medical expenses were included in the suit and I am not responsible for them. This company has used harassing and aggressive tactics to contact me at nights using robotic machines and leaving voicemails and threats of lawsuits on my cellular phone and on the phones of my family members and I have had to change my cellular number. Please investigate their unlawful collection practices and their unlawful placing of debts on individuals accounts without proper verification or providing any paper work of debts owed. XXXX XXXX is in possession of all legal forms and case numbers filed by my attorney which places this debt in the hands limousine company that caused my injuries. They are insured and have covered the costs with XXXX through a lawsuit judgment. I will challenge and respond until they remove the illegal debts from my name. I will not stop disputing the accounts reported to the bureaus under # XXXX and # XXXX. They are not legally allowed to contact me as well. I will pursue litigation with my attorney if they do not comply. This company is very deceptive and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediatelyXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: AL
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 recently filed a letter addressing erroneous and inaccurate accounts that I have disputed and that can be seen in my credit file, and I am disappointed that they are still there. I do not verify such accounts, which is a violation of US Code 1681 Accuracy and Fairness in Credit Reporting, which is part of the Fair Credit Reporting Act.

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 2017-05-23
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX   XXXX   XXXX  has been informed that property at  XXXX   XXXX   XXXX  in  XXXX   XXXX  Texas  XXXX  is owned by  XXXX   XXXX    XXXX   XXXX   XXXX   yet it has ignored repeated request to cease aggressive collection practices.  XXXX   XXXX   XXXX  on or about  XXXX   XXXX   XXXX  caused a collection letter to be sent by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  again threatening foreclosure on a property owned by  XXXX   XXXX    XXXX      XXXX   XXXX  .      XXXX   XXXX   XXXX  was notified of this action on  XXXX   XXXX ,  XXXX  along with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , the  XXXX  credit reporting agencies  XXXX ,  XXXX  and  XXXX .     Their collective action has caused undue stress and duress on us plus negatively impacted our credit files since  XXXX . They have repeated violated the Fair Credit Reporting Act ( FCRA ) along with the Federal Fair Debt Collection Practices Act. We have asked  XXXX ,  XXXX  and  XXXX  to update our credit files since  XXXX  when  XXXX   XXXX    XXXX   XXXX     XXXX  acquired said property but those credit reporting agencies have turned a blind eye to our requests.     We hereby seek damages and action to stop this undue harassment and duress caused by parties who have colluded to circumvent our legal and financial rights. Thank you for your consideration and speedy resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$420.00} ; XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$22000.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX CARD XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX PL XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: CT
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Experian : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$130000.00} XXXX  XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$130000.00} XXXX  XXXX  XXXX Balance : {$850.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$130000.00} XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5600.00}

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 2017-03-01
Company: Regional Management Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Regional Finance constantly contacted me multiple times per day after making arrangements to pay. They contacted my husband who is not listed on my account and solicited a payment from him. They also provided him with information regarding my account and the account status. He is not on this account or authorized to receive any information. My son dropped off the payment close to their closing time and they refused to provide him with a receipt but took the payment from him. This concerns me because I 'm not sure if the payment was applied to the account. When I called to speak with the store manager XXXX she placed me on hold and neve returned to the phone regarding the issues I was having with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: CA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$420.00} ; XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$22000.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX CARD XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX PL XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX  is in violation of California 's Unfair Competition Law and False Advertising Law by putting my loans in costly forbearance and failing to let me know the benefits of an income driven repayment plan. I am one of the XXXX borrowers that must have their loans discharged, removed, and deleted from all of my credit reports. Transunion, XXXX, and XXXX is indirectly in VIOLATION of the California 's Unfair Competition Law and False Advertising Law because they are allowing XXXX  to put report information that must be removed due to the settlement. 

I want XXXX, TransUnion, and XXXX to BLOCK all XXXX  accounts IMMEDIATELY so it does not report on my credit report until the investigation is complete. Before the investigation, I want this account removed completely, if you cant delete before the investigation then delete it after 15 days from today or no more than XXXX hours after the investigation is complete. 


XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX 2015, I went to chase bank on XXXX florida and made a payment to my mortgage and returned back home, as soon as I get home I received a phone call from my small brother who told me that my father who was on vacations in XXXX was rushed to hospital and pronounced dead two hours later. I traveled overseas for his funerals and came back, that situation put me in a very difficult time to pay my mortgage for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I went to same chase bank on XX/XX/XXXX with XXXX payments the bankers told me that they can not receive any payment at that time for my mortgage and then told me I have to call financial dept. I returned to the same branch with XXXX months payments where I was behind 5 months, they told me to contact the financial dept and they stated that I have to call their lawyers to ask for reinstatement of my loan. I did call them, i requested a quote of reinstatement for my mortgage they sent it to me ask me to pay {$5400.00} for my mortgage plus {$3100.00} for lawyers fees by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I was contacted by a third party trying to obtain a payment for late student loan payments, they offered me a deal if i made XXXX payments of {$400.00} totaling XXXX My balance would go down to {$0.00}. I was under the impression that i owed nothing and that i paid everything off I even receive mail monthly stating i do n't have a balance, but when i go online to look at my credit report i see XXXX loans with a balance of zero that were closed on XXXX/XXXX/XXXX then XXXX loans of the same amount were reopened on XXXX/XXXX/XXXX i 'm confused as to what i actually paid for, i dont have money to just be paying please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2020 our Experian Credit Report indicated a score of XXXX, everything on our file indicating a good payment record. XX/XX/2020 we received an e-mail from Experian indicating our score had been changed downward. Further investigation found our score had diminished by 22 points which we felt was exorbitant. Calling and upon further investigation we found the reason was due to the following. In XXXX,XX/XX/2020we were inundated with e-mails and calls from various lenders regarding refinancing our home mortgage due to the decrease in interest rates. We worked twice with XXXX XXXX XXXX XXXX XXXX, with whom we have our present mortgage, and at least one other lender regarding refinancing. We concluded it would not be to our advantage to refinance because it would take about 5 years to just recover the approximate closing costs of {$5000.00}. None of the offers were acted upon yet our Experian credit score was very negatively, and we believe unfairly affected. 
We are including an attachment of our XXXX  Credit Report of XX/XX/2020 which is XXXX, only a 3 point difference from Experian 's Report prior to the downgrade. 
Our complaint regarding the mandating of two years for these inquiries to be held on our credit report is totally unfair due not activating any of the loan inquiries. It's as if we were penalized for shopping for the best refinancing terms available. That, in our opinion, is anything BUT Consumer Protection.

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 2021-11-14
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open/end credit plan was denied my right of credit by THE AMERICAN EXPRESS COMPANY d/b/a AMEX. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by THE AMERICAN EXPRESS COMPANY d/b/a AMEX on XX/XX/2020 email. 
According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by THE AMERICAN EXPRESS COMPANY d/b/a AMEX adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { S5000.00 }. THE AMERICAN EXPRESS COMPANY d/b/a AMEX is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Due to the laws of my state of New York, as of XX/XX/XXXX, the updated The Consumer Credit Fairness Act of XXXX, the debt with account number XXXX that XXXX company is claiming to be owed is 7 months past the 3 year statute of limitations. As per the law pertaining to my state, this dated listed with XX/XX/XXXX date as seen in attachment, all collections activity for this debt must stop which includes, mail, credit reporting, phone calls etc. If your company continues any form of debt collection including but not limited to credit reporting this case will be brought to the attention of NY state attorney general and also your company 's home state 's attorney general. The CFPB is a third party witness as a communication channel to this debt collections company. As credit reporting agencies it is your responsibility to report information correctly for consumers as per FCRA ; 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES From Title 15COMMERCE AND TRADE CHAPTER 41CONSUMER CREDIT PROTECTION, I have previously disputed this debt and brought it to your attention. During your investigation it should have been brought to light the updated NY laws and how it could affect this particular debt that is dated XX/XX/XXXX, this is either gross negligence or misconduct, as a protected consumer I need some sort of timely resolution for this matter. 

Please see attached : 1. Reference of US Law 2. NY State ID 3. SSN document 4. Credit Report ; Transunion 5. Credit Report ; XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the XXXX  major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with explanation