BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen to attempt to open credit cards and and mortgages/loans without my knowledge or consent. I need these removed immediately as it is affecting my ability to obtain a car and personal loan. I have reported this to the FTC and will attach my report here for 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 non-monetary relief
Consumer complaint received 2021-12-22
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just noticed my credit score dropped XXXX XXXX due to a debt collector Hunter Warfield saying I owe {$9900.00} I have never spoke heard received paperwork or anything from this company!

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 2021-12-22
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was paying at the gas station at night. Made one purchase the next purchase denied. They closed the acc. Then I received a email? It said due to my name change they needed ID. I have no name XXXX  .I sent ID. I have been with chime over a year. I sent ID anyway. 

. No response and becouse my acc was closed I can't get my money or into my online acc. They will not talk live on the phone. Weird. Unusual. And they only use a robot to answer questions they never get back. Almost a week now. I want to know what.is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America hit me for a missed payment back in XXXX 30 days late then XXXX 60 days late in 2014. I never missed a during that time we were working with bank of America to restructure my loan and the full payments sent were said they put the money in a trust and pulled from the trust each month to make the payments. For some reason XXXX and XXXX and XXXX and XXXX show on my report as no report from bank of America but in XXXX and XXXX they show no payment and counting it as 60 days late when the math does not add up. if the math was correct then I should have been way more then 60 days late. I have never had a missed payment with any account I have in the past 10 years or longer.

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 2021-12-22
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mr. Cooper held the mortgage on my prior home. I sold my prior home, and Mr. Cooper provided the banking information to the title agency to which the house sale proceeds should be wired to, in order to settle my home loan. Mr. Cooper failed to tell the title agency that it had transferred the loan to XXXXXXXX XXXX prior to closing, and fraudulent accepted the money, when it should have gone to XXXX XXXX instead. Now, I am stuck in the middle trying to get the money from Mr. Cooper to XXXXXXXX XXXX so this mortgage can be settled. I would like Mr. Cooper not only investigated for fraud, but to resolve this issue on their own as it is completely their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: GA
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 EquifaxXXXX XXXX  XXXX XXXX, 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 inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were approved for a short sale and began the process. On XXXX XXXX, 2016 we accepted an offer for amount the bank appraisal came back for. It is now XXXX XXXX 2016 and we still have no resolution. I spoke with the Bank negotiator on the phone XXXX/XXXX/16 and was told the XXXX they had received was good but the date needed to be pushed out by 30 days. I was promised that if they got the XXXX with the correct date they already had everything else they needed and the file would be submitted to the credit officer by the end of the week. The XXXX was submitted the next day. I called and left a message for the negotiater to let them know it was equator. Now we have been told the purchase agreement has expired and we have to resubmit documents, which is contrary to what I was told on the phone. We continue to have to resubmit the exactly same documents and have no resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a certified letter to FTC ( XXXX ) that a XXXX XXXX reported negative on credit bureaus. XXXX XXXX has removed the negative XXXX XXXX from there system. I was informed when I called that the FTC sends to the mail room and sometimes the CFPB gets it and sometimes not. 

Attached you will find the letter I send to you on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I spoke with representatives with Credit Management LP ( XXXX XXXX and XXXX XXXX ) about a debt reporting on my credit report. I had no idea what this was as I had not received any communication from them by mail or phone. I was told by a representative that they would request a removal once I paid it and even given a website to get this in writing. The website address they gave me is cm-resolve.com. All of this information turned out to be false. I called back and they told me they could not locate my account because it was paid. I have read about this collection agency doing this to several others, in fact there is a XXXX thread dedicated to it. It is mandated by law that I receive a letter from them notifying me of the debt and giving me 30 days to pay before it is reported. It is also against the law to tell me it will be removed, give me a bogus way to get it in writing and then lose my account information. This has harmed my score and prevented me from purchasing a home. I am responsible and pay my bills on time. I would have paid this had they notified me in writing and I tried to resolve this as soon as I found out. Their dishonesty and unlawful tactics have hurt me considerably.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24
Company: Genesis Lending
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was unfortunate enough to attend XXXX XXXX XXXX University in XXXX XXXX, Florida from XXXX - XXXX. I was required to obtain way too many XXXX loans for a XXXX year program, XXXX of those loans are with Genesis Lending. 
The repayment plan from Genesis is unrealistic. When I attempted to make re-payment arrangements with Genesis for a manageable monthly payment, they refused. Even since the requirement to reduce the loan amounts, the monthly payment is not acceptable on my income. If I were to make the payment they are requiring, I would not be able to buy food, gas for the car to get to and from work or any XXXX related issues that may arise. 
I attempted to contact Genesis this evening XXXX XXXX/XXXX/XXXX XXXX to try to negotiate a manageable monthly payment and was left on hold for more than XXXX minutes.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are XXXX accounts that are mine and i would like for the credit bureaus to delete this information from my reports. The accounts number are listed as # XXXX under Louisiana Recovery Services. Paid in the amount of {$210.00} and {$37.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
JPMorgan Chase Bank , N.A . first had my student loan account. Recently, the servicing for my loan was transferred to XXXX. I have had automatic debit for the lifetime of the loan. A letter was sent informing me that XXXX would service my loan and my information from direct debit would be transferred to XXXX. XXXX successfully withdrew my payment for the last few months. I recently received a letter instructing me to update my direct debit information online with XXXX to avoid any issues. As instructed, I went into the AES website and updated my information. Today I received a letter from XXXX XXXX informing me that JPMorgan Chase Bank , N.A . has referred my account to collections because it is 14 days past due. Again, I have never been delinquent. I have always been a direct debit client. Even if I HAD been delinquent, what sort of company refers an account to collections after 14 days without first informing the client that they have missed a payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 XXXX with drawed $ XXXXI called and demanded my money back. They had no business with drawing any money on expired debt card XX/XX/2021 was the expired date. That's 7 months ago.

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 2020-04-14
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXXXXXX XXXX XXXX, -, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX/XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to Equifax XXXXnformation Services regarding my credit file. Equifax Information Services further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX and XXXX   reported to Equifax Information Services that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report this is a violation on my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXXTransUnion XXXX XXXX XXXX, 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 inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2021-12-22
Company: EQUIFAX, INC.
State: TN
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Selene Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was recently transferred from XXXX XXXX XXXX # XXXX, XX/XX/2021 to Selene Finance. Selene recently contacted me to discuss my mortgage being delinquent, but I am currently in a forbearance. I was affected by XXXX and requested a forbearance with XXXX XXXX my servicer at that time, it was approved. My loan servicing was transferred to Selence while I'm currently in the forbearance. Selene customer service contacted me stating their servicing records showed I am in default with my mortgage and Selene Finance had not approved a forbearance for my mortgage. 


See Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: PA
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2020-06-13
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX directly in full of {$450.00} on XX/XX/2020. XXXX stated the bill was paid in full and no credit collection acts would take place. By law, XXXX must recall the debt from Convergent Outsourcing. Therefore, Convergent Outsourcing has no legal reason to be reporting on my credit reports and must delete.

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 2016-09-08
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had a loan with XXXX Bank. The loan was serviced by GMAC. They foreclosed illegally through a local attorney. I plied for a loan modification. They said I qualified. I just had to pay the {$17000.00} in missed payments to activate the modification. They then proceeded with the foreclosure process. They collected insurance, collected money from the sale of the property and got Federal Bailout money. Eight years ago when few people realized yet the extent of the mortgage meltdown and the extent of wrong doing by many banks it was difficult to get a fair shake. I had to leave my home of 16 years. Can anything be done now?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
GMAC Mortgage is who I originally took a mortgage out on this on at XXXX XXXX XXXX XXXX, XXXX, Ohio. Unfortunately after several years with a down market ( I 'm XXXX ), became XXXX, and on top of everything else, my husband abandoned my family and I. I worked closely with GMAC and after several months they issued a loan modification on the property, the problem was, was that once I received the documentation, neither the interest rate, the costs associated with the loan modification, nor the monthly payment was as I was promised. I called, and called and called and emailed and sent faxes to their loan department, and loan servicing department to no avail. At one point, I was able to get into another department 's extension, and spoke with a representative who at the time, told me that my loan was one of many which was in question as to how the modification process and the loan modification itself was processed and prepared, and that someone would be getting back to me on the matter soon. After several years, no one returned a call, no one returned my emails, nor my faxes and letters, I even kept the yard work up at the home, unfortunately the home is located in a high crime community, and vandals continued to break in, stole the hvac system, the electric panel, the hotwater tank, furnace, etc., but I felt it was my responsibility to take care of the property, keeping the grass cut, weeds down, etc., because I still wanted to keep my home. on XXXX XXXX, 2015, I received a letter by regular mail that my home was going to Sheriff Sale, by another bank/owner which appears to be a group of investors? No one phoned, called or discussed any changes in the mortgage co., nor servicing, and I feel this is desperately wrong, especially since I made every attempt possible to retain my home, I even sent photos of the condition of the home by photograph to GMAC to let them know I was still taking care of the home, and that I actually on several occasions boarded up the home with the hopes to offset the further attempts by vandals to destroy the home anymore, I am just please asking is this right, that they give me a fraudulent loan modification, they apparently sale the home or servicing/mortgage, and no one ever informed me, nor contacted me until just within the past few days indicating the property was going to sheriff sale. Please advise, and may God Bless you, sincerely yours, XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: AR
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft. Somebody has been using my personal information to apply for credit and using it without my knowledge. This has taken a huge toll on my personal finances because now my credit is shot due to this. It is very frustrating as I can not get approved for anything due to this theft. PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation