BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: Mr. Cooper Group Inc.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2021 my grandmother passed away leaving me some property one of the properties that she left me had a mortgage on itservice by Mr Cooper. I called them to try and find out the process for getting the property and mortgage resolved was told to send in paperwork which I sent in everything they asked for I'm more than one occasion weeks and months would go by and I would call again and they would say they didn't get the paperwork or the email they got part of the email but didn't get the other part. All of the documents were included in one email each time that way it couldn't be misplaced or any other nonsense. Even after providing proper identification and paperwork they denied acknowledging that I was the successor and interest of the property. They have not served me with any paperwork or notification of any kind that the foreclosure was sale had been set or that the process was. I was in fact assured that the property would not be foreclosed on while we were working on getting the process taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
My problem is with Experian. I noticed a XXXX point drop in score with Experian to XXXX. 
XXXX reports my score at XXXX and XXXX at XXXX as of XXXX/XXXX/16. 
I requested and paid for copies of all XXXX. 
The Experian report shows a " Serious Delinquency or Derogatory Indicator '' hurting my score by ( XXXX ) account. After talking via phone with NUMEROUS people and departments, NO ONE can tell me any further information- they say my report shows no late payments and can not give me any further info on a " Derogatory Indicator ''. 
They are saying " case closed ''!! 
I am SO frustrated!!!! 
Do not know what to do next nor can I dispute something that I do n't know who from. 
Can you give me any recommendation as to handle further.

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 2022-11-22
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My household was directly affected by XXXX. I was given a previous forbearance directly after the XXXX breakout in XX/XX/. This lasted a little over 12 months. According to Rocket Mortgage 's site, " Under the CARES Act, you have a right to a forbearance that pauses your payments for up to 12 months. Depending on your circumstances, you may be eligible for additional months of forbearance. '' I have recently been directly affected by XXXX with a family member being severely ill with XXXX. I was given only 2 month forbearance to catch up on my payments, when the site clearly says otherwise. On this day, XXXX XXXX I asked specifically for 2-3 more months of help due to the hardship, missed work, and time spent caring for my daughter. I was denied saying that I had already used the 12 month maximum amount of time. I have been wronged because their site clearly states otherwise. I requested an email of the chat with specific wording and I have not received this documentation. However, I do have the screenshots of the message. Usually a chat message is sent instantly after the chat session ends. Please help me. I feel as though I have been denied assistance and the help from a company that has misled its customers and will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX, XXXX and Experian are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law.

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 2016-05-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian has locked me out of the online dispute system and refuses my access to a paid 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 non-monetary relief
Consumer complaint received 2015-04-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dept collection agency called XXXX are attempting to collect a dept from me which I am not owing and they reported that to my credit even with out proper investigation to know if the dept is mine or not. I disputed that through EXPERIAN CREDIT REPORTING AGENCY but they kept reporting same to my credit. I contacted EXPERIAN CREDIT REPORTING AGENCY after so many attempt I made to contact the collection agency XXXX. but Experian said all the information they have on file concerning the dept was collect even when they did not do proper investigation. 
The dept which XXXX TRYING TO COLLECT FROM ME IS A FLAUD FROM THE ORIGINAL CREDITOR. 
I rented an apartment from the Original creditor XXXX, but a month after I rented the apartment the roof collapse and I could not use the apartment anymore after so many attempt I made contacting the XXXX to come and fix the problem, they ignored me despite I still pay the rent for the apartment even when I was not making use of the place. They ignored fixing the place until I moved all my belonging away from the apartment since it was becoming health hazard. But two month after I moved out I received a letter from a collection agency called XXXX stating that I was owing some money from XXXX who ignored fixing the collapsed roof of the apartment I moved out from. 
the XXXX did not even do any investigation to know if I was owing such dept or not. I attached the copy of the letters I sent to the apartment management XXXX BE FOR IMOVED OUT FROM THE APARTMENT THE CREDIT BUREAU SHOULD WORK WITH THE COLLECTION AGENCY XXXX TO TAKE SUCH FAULES STATEMENT OFF MY CREDIT FILE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: ENOVA INTERNATIONAL, INC.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Obtain loan in XXXX of 2020. Loan amount {$3700.00}. Monthly payments of {$200.00} since XXXX of 2020. Like to pay off loan at lesser amount. Loan is now in excess balance of {$4000.00} at 65 % interest. NetCredit will not discuss early payoff until I pay more into the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions 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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see the attached documentation to meet my demands in a timely manner. I have never authorized or gave written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-07-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have reported that negative accounts that are over 7 years are still on my credit report and would like them 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 2022-11-22
Company: Experian Information Solutions Inc.
State: FL
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:
Why do you provide wrong information to consumers by saying carrying a small balance on credit card help score is a myth? Ive tested this theory 3 times in the last 3 months and found youre once again lying to consumers. On XX/XX/XXXX My credit utilization on total card was at 1 %, I paid off the small balance of {$10.00} and brought my utilization to 0 % my score dropped by XXXX points! I tested this again by keeping a small balance, my credit score goes right back up to XXXX points. Today, XX/XX/XXXX my utilization updated to 0 % after I paid off my small balance just for me to see the score dropped of XXXX points. CLEARLY your algorithm negatively impacts peoples scores for having 0 % utilization, why are publicizing on your website that this is a myth?

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 2022-11-22
Company: World Omni Financial Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid my loan off early on XX/XX/2022. On XX/XX/2022 I received a document from the loan company confirming that the XXXX had been released. However, I did not receive my car title in the mail as they said I would, so on XX/XX/2022 I called the loan company to check in. They said the state takes a long time to mail titles, but that everything looked good on their end. After XXXX more months I still had not received the title so I went to the XXXX on XX/XX/2022. The XXXX informed me the electronic XXXX had not been released by the loan company. I called the loan company and spoke to a representative who said there had been an issue with the electronic release and they would correct it. XXXX month later I still had not received the title and so I called the loan company again on XX/XX/2022. The person I spoke to was not able to confirm the electronic release had been processed and said she would call me back the next day. By the end of the following day I had not received a call so I called the loan company again on XX/XX/2022. The person I talked to said the electronic release had been processed. I waited XXXX months but still had not received the title so I went back to the XXXX on XX/XX/2022. The XXXX told me the electronic release had not gone through yet. On XX/XX/2022 I called the loan company again. They said they had called the state on XX/XX/2022 ( a pretty big coincidence that they called the day before I called them after XXXX months of no action ) and that they were working to figure out the electronic release. However, I have lost trust that this company is following through after 8 months of being told that this electronic release had gone through when that was consistently not the case. I need help holding this company accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
This is my problem : I have not seen the movement on my credit score that I should see, here 's some facts : 1. On XXXX XXXX 2017 my credit score was XXXX I had one account that was 85 % added to limit another account with 94 % of its limit. I had 17 accounts never been late ; no bad credit whatsoever. 2. XXXX XXXX 2017 my credit score was XXXX I have 17 accounts no lates nothing negative I was at XXXX out of approximately {$8800.00} in my credit utilization. 3. Now XXXX XXXX 2017 my credit score is only XXXX and actually went down XXXX points, I have paid down the three accounts that I have and i opened a new account with a {$4000.00} credit limit i have 18 accounts. I now owe {$2400.00} out of a possible {$12000.00}. There is no way my credit score should be this slow and I am complaining and seeking your help they are intentionally keeping my score low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a 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 account. 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. Please delete the account below from my report : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 XXXX  : {$29000.00}

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 2022-11-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
With the main loan or the big loan I am ok with a lot of sacrifices but I am paying on time because my son is helping me to pay with the 2nd loan is with the one I have problems. The put me on foreclosure but according to them they canceled it..because I didn't pay the 2nd loan for a while.. the confusion and problem was that nobody send me a bill since I did a bankruptcy on 2010 and the judge asked me if I want to keep my house and I said yes.. I thought it was included in the first loan but not when I tried to refinance that's when I found out that I have a lien against the property. The company for the 2nd loan never send me a bill or anything.. I was trying to talk tot the attorney that help me with the bankruptcy but i found out that she XXXX XXXX XXXX XXXX XXXX I asked my bank for the 1st loan and they said they didn't know anything about it. Last time I new from the 2nd loan I owe $ XXXX. Lately I've been trying to negotiate an pay it they brought me back and forth for 2.5 year and nothing.. now they're saying that they will sell my house so I pay them the loan now they are trying to charge me more than $ XXXX because I didn't pay the loan at all which is not truth I paid the loan to the first bank which was The XXXX XXXX  then later to XXXX XXXX XXXX XXXX etc etc.. when I did XXXX its when it stopped that why i thought it was included in the first loan. I don't think is fair that when I find out about the 2nd loan I've been negotiating with them and they didn't accept it now. They are not counting the time that I was paying the loan. I'm a hard working person my husband has been struggling with his health since XXXX of this year.. not able to work.. only me the one that is working and been responsible and paying all my bill.. please help me. I agree to pay what I owe but not triplicate the amount which I don't owe.. plus I never received a bill that was saying that I owe. Respectfuly, 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 explanation
Consumer complaint received 2016-02-24
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold by XXXX XXXX to Ocwen in XX/XX/XXXX, I was granted a Non-HAMP modification by Ocwen signed and notirized XXXX XXXX. According to the language of the modification I was to have a 4 % interest rate for the life of the loan. There was no indication of any increase. XX/XX/XXXX I received a notice that my interest rate was to increase to 5.125 % as of XX/XX/XXXX, a few weeks later I received notice my loan was being tranfered to XXXX XXXX and all future payments and correspondance would go to them. No action could be transacted until the transfer of documents had occurred. After being assigned a loan specialist I brought to his attention my grievance concerning the increase of interest rate an oversight error on the part of Ocwen. He informed me after reviewing the modification documents it did appear to be an error however his supervisor and or the underwriter 's would investigate. Shortly after that I was informed contact with Ocwen would be necessary and they would have to make any adjustments in the loan interest rate increase. To date I 've been told no contact has been made with anyone who is authorized to make those adjustments as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I sent this to Experian and they have yet to delete it. I have sent them my SSN and utility bill and also birth certificate in the past. They refused to delete these wrong names, addresses, and employment history. They told me on the phone that It was reported by collectors or third parties rather than myself. That is in violation of the FCRA and I am tempted to sue if this is not resolved. I am keeping a paper trail. Why is it that Experian is refusing to delete this simple information when XXXX and XXXX will?? 
Something is seriously going on illegal with Experian and I am going to let every agency know!!!! 

remove innacurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL OTHER INACCURATE INFORMATION Delete these addresses : XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, sc, XXXX remove employers that are innacurate : XXXX 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 2022-08-04
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have banked with USAA for over 33 years. USAA does not offer an online way to register a grievance over its banking services, so I am using this method. 

I utilized USAA 's Mobile Deposit service to deposit a {$10000.00} check on XX/XX/22. {$5000.00} was made available immediately and {$5000.00} was put on an administrative hold that would not be released until XX/XX/22 ( 7 days ). I was notified of this hold at time of deposit. 

Typically, banks use a hold to confirm funds are available to be withdrawn from the bank issuing the check. I contacted USAA on XX/XX/22 via a phone call to confirm the issuing bank had withdrawn the {$10000.00} on XX/XX/22 and to ask that the hold on my {$5000.00} be released. 

USAA 's agent told me that she was not able to release the {$5000.00} hold as USAA, at its discretion, has chosen to administer a 7 day hold without exception because I had a bounced check fee within the last 30 days. The agent said this was for my " financial protection '', which does not make sense. Being able to pay my bills protects me financially, and withholding half of my deposit for an entire week just because you can does not protect me. 

I understand banks can make their own deposit/withdrawal rules. However, a 7 day hold on half of {$10000.00} check seems an egregious and financially abusive response to a {$29.00} bounced check fee. USAA has the {$10000.00} from the issuing bank. This money is mine and I would like access to the remaining {$5000.00} now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation