BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: NATIONS RELIABLE LENDING LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was awarded a grant through the city of XXXX for {$15000.00} in down payment assistance for a home through a nonprofit organization called XXXX XXXX. 

I applied for a mortgage to NRL mortgage XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX. The phone number is XXXX XXXX. 

I paid + {$500.00} for inspection costs/home buyer education courses, as well as {$3000.00} to sellers. The week of closing in XX/XX/2022 the lender told me I needed to use everything in my savings account ( which totaled over {$8000.00} ) to pay off my XXXX loans. I didnt see why that was the best option for my savings since I was still in XXXX school and there was a pause on XXXX  loan payments. Im a XXXX and planned to apply for XXXX XXXX XXXX XXXX  when I was done with XXXX school. 

The week of closing the underwriter denied my mortgage application because of my XXXX loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Service Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
RE : Service Bureau Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX They refused and failed to Acknowledge if they are bonded TX SOS. 

They state the FDCPA does not require them to provide an original, certified or attested " copy '' of the document creating the debt, copy of document authorizing them to collect debt, or copy of surety bond. They refused to provide requested documentation as requested in a Texas Debt Validation letter. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: LA
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 the company via CFPB complaint portal to let the credit bureau investigate the erroneous information on my credit report under the account XXXX I have disputed the original payment as erroneous therefore shall be deleted under 1692 ( f ) F an attempt to collect a debt not authorized by the original agreement the company still validated the fraudulent information ( documentation attached )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
There are 4 things as well as inquiries on my credit report that are not mines. I have disputed these things by letter and through the credit report company XXXX. I would like these things to be taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Ocwen continues to report XXXX different mortgages loans on credit report. I only have XXXX mortgage loan not XXXX. The same loan is reported 4 times all with different balances owed. This is causing my debt ratio to be high and making my credit score go down.Also the balance owed on all of my credit reporting agencies have the wrong balances the balance is only approx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint last year against Ocwen Loan Servicing , LLC stating that due to their error my homeowner 's insurance was canceled to lack of payment. The money was in my escrow account but they never paid. I have been going back and forth with Ocwen ever since. I thought we came to a half way resolution, but I received notification that my payment has gone back up after the escrow analysis that was completed in XX/XX/XXXX. I am attaching a few emails from Ocwen stating they would make sure my payment did not go up due to the insurance but it has gone up {$60.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After checking my credit report and seeing a mortgage servicer on all XXXX bureau 's, I had informed them of ID Theft was involved in getting that mortgage and it was not mine, along with a few other situations on my report. They have not removed nor have they asked for anything but payment to them. I refuse to pay for something I did n't do. I did back in 2009 file an ID Theft report with the local sheriffs department to have placed on my credit reports to stop all illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Once again ( it happened once already before and was resolved ), when I made purchases through Paypal the purchases were used to open a Paypal Credit account, rather than forwarded to my credit card or bank account on file. The purchases were international so maybe that had something to do with it, but probably not ( see below ). As I was unaware of these charges sitting on the Paypal Credit account ( I do n't religiously check my email ; if they tried to send notification that way, I was unaware of it ), having thought they were already paid off through being forwarded to either of the XXXX accounts I have linked to Paypal on file, they accrued a late fee. I called up, complained, paid off the outstanding charge and was told the late fee will be rescinded and the account closed ( again ). I asked specifically if it was necessary to use Paypal Credit when making an international purchase, rather than Paypal ( and the linked accounts ), and was told no, it is not necessary. They could have been made solely through Paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian is reporting in accurate ( old ) information passed the allowed time frame based on 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 non-monetary relief
Consumer complaint received 2022-10-21
Company: Self Financial 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:
and prior XXXX report shows self correction and agreeing to correct a problem with many different angles including not sending a credit card that originally wasnt ordered by me anyway and continues violations of the FCRA rule in regards to reporting erroneous information when already agreed to correct the issue. XXXX XXXX XXXX and XXXX each corrected the status of the account to XXXX agreed but did not eliminate the XXXX missed payments displayed on the credit card I never ordered. The settlement was agreed to was self that would be taken off the record since it was their fault for ordering a card I never ordered. To maintain status quo I agreed with XXXX to keep the card but Im starting to regret it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Letter from LawyerWe have completed an examination of your bankruptcy case and spoken with our lawyer. It appears to us that the firm has done nothing which has injured you. Understanding our position requires some understanding of a complicated and, in some ways confusing set of laws relating to the bankruptcy and the real estate which you own. Your state has an exemption for a certain amount of equity in real estate. That is to say in a bankruptcy the creditors can not sell your residence to satisfy their judgment if you have less equity in the home than the amount of the exemption. The bankruptcy court can only order a creditor whose judgment has matured into a lien on your property to release that lien if you have equity in the real estate and that equity is less than the amount of the exemption provided under your state 's laws. 
The problem here is that at the time of your bankruptcy you had no equity in the house. That is to say the amount of the mortgage was equal to or greater than the fair market value of the home. Under those circumstances the court can not enter an order to avoid the lien of the judgment. There was nothing that could have been done to get the court to do that. We attach hereto a copy of the Court 's opinion on our motion to avoid the lien which states what I have just told you. 
While there was n't a motion filed during your bankruptcy to avoid the lien, the Court has made it clear that it would have denied such a motion in any event. This does n't mean that you still owe the money to that creditor. You do n't! The judgment and the debt are discharged. The creditor can not take any action against you to collect the debt or enforce the lien. You should be able to refinance your mortgage without worry merely by showing the lender that you received a discharge in bankruptcy. 
I hope this is helpful and that you will be able to fulfill your economic plans in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
on XXXX I contacted the companies and the 3 bureaus and informed them that under federal law your in violation of 15 U.S code 1681n Infamis of pulls 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation I haven't received any response

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 2015-04-24
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In the fall of 2014, my home was in danger of foreclosure. Previously, I had tried mortgage mitigation with my then mortgage servicer, Citi Mortgage, but that had not gone anywhere. I had gotten a call from XXXX, urging me to try mortgage mitigation again, specifically a deed-in-lieu of foreclosure. I sent the application for deed-in-lieu to XXXX, with XXXX as the conduit. That process went no where, and XXXX said to send the application again. At this point, unbeknownst to myself of to XXXX, my mortgage servicing had been sold by XXXX to Green Tree Financial. My complaint is thus : after missing mortgage payments, and going into pre-foreclosure, XXXX had dinged my credit rating. They then sold my mortgage or rather the mortgage servicing to Green Tree. Immediately there after Green Tree began knocking my credit, missed payments, in foreclosure. It was XXXX property, XXXX mortgage, but XXXX foreclosures. Why was XXXX allowed to sell the servicing of the mortgage in the middle of my application? Why did XXXX knowingly purchase what was for all intents and purposes a bad debt, and why should they be allowed to hurt my credit for the exact same reason as the company they purchased the mortgage from?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. I contacted credit acceptance on XX/XX/2022 for a debt validation response however credit acceptance failed to respond back to me. attached is the letter. I also contacted XXXX with multiple debt validation letter in which on XX/XX/2022 XXXX stated my account was properly investigated from the dispute of Credit Acceptance Corporation XXXX XXXX XXXX In which i submitted the debt validation verification on XX/XX/2022 but how is that possible if the open date is inaccurate, the last date reported is inaccurate, the date last active is inaccurate, the date of the last payment is inaccurate these are multiple violations and this is a ground my removal under 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 : according to fcra any furnished info can not be used without my written instructions. Also the credit acceptance and experian is taking or took more than 30 days to my debt validation investigation letter from that I submitted to Credit Acceptance Corporation and 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 explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: PA
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-08-26
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
GREEN TREE SERVICING LLC OFFERED AND AGREED TO PAY CASH FOR KEYS RELOCATION ASSISTANCE OF {$3500.00} THAT WAS PRESENTED BY THEIR ATTORNEY LAW OFFICES OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX. GREEN TREE SERVICING LLC CHANGED LEGAL REPRESENTATION AND THEN REFUSED TO PAY THE CASH FOR KEYS OFFER THAT WAS AGREED AND ACCEPTED. GREEN TREE SERVICING LLC INSTRUCTED THEIR NEW ATTORNEY TO OBTAIN A FORCEABLE EVICTION WITH THE SHERIFF DEPARTMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
According to the Dodd-Frank Act of 2014, Ditech Financial, LLC could be in violation for not providing me my final mortgage statement showing how the payoff was applied, ( i.e. how much was applied to principal and how much was applied to interest, etc. ). 

My record indicates that there was a total of {$96.00} overpaid on this account. Unless, Ditech Financial, LLC provide me with my last statement, there would be no way for me to know if the payoff they had provided to XXXX XXXX XXXX is accurate. I was informed by them that they do not provide the last statement, but a letter informing me that my account is paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Ditech Financial LLC
State: ID
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan with Ditech Mortgage made the XX/XX/XXXX payment of {$2000.00} which was received on XX/XX/2016. For some reason they put them in " suspense ''. To date they have not released the funds. Fear that this will hurt my credit and cause me a late penalty. The account was current prior to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: KS
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: KS
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: GA
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 ACCOUNTS THAT I HAVE REPORTED AS FRAUD TO BE REMOVED FROM MY CREDIT REPORTS I WOULD LIKE THESE ACCOUNTS REMOVED IMMEDIATLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Byrider Franchising, LLC
State: OH
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, this creditor has violated my rights Under 15 USC 1681 section 602 states that i have the right to privacy, 15 USC 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
and prior XXXX report shows self correction and agreeing to correct a problem with many different angles including not sending a credit card that originally wasnt ordered by me anyway and continues violations of the FCRA rule in regards to reporting erroneous information when already agreed to correct the issue. Trans Union XXXX and XXXX each corrected the status of the account to XXXX agreed but did not eliminate the two missed payments displayed on the credit card I never ordered. The settlement was agreed to was self that would be taken off the record since it was their fault for ordering a card I never ordered. To maintain status quo I agreed with XXXX to keep the card but Im starting to regret it.

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