BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


XXXX XXXX XXXX -- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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:
XXXX XXXX Department : Remove fraudulent accounts from my 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 explanation
Consumer complaint received 2015-05-21
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i was living in a mobile home and my mortgage was with Greentree. I had fallen very ill and was unable to pay and fell behind in my payments. I lived there for many years and asked them to work with me on it, but they would not. Everyday they would call, with nasty phone calls in a threatening manner. First a man called, then he would hang up, then this was followed by a lady. It was constant around the clock. They said that I was to pack my belongings because they could come out and change the locks. I got really very scared and upset so I felt that I had to leave.They were very verbally abusive on the phone I had a lawyer write them a letter, and all correspondence was to go to him. His name is XXXX XXXX phone no.XXXX. Greentree made my life miserable with their harrassment. I got so sick and nervous over this, and felt that I had no choice but to leave. because of fear of them coming to the house and locking me out and they would let my dog loose. I left in such a hurry to go to my daughters that I left alot of personal items at the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, Addresses that need to be removed : - XXXX XXXX XXXX XXXX XXXX, GA XXXX - XXXX XXXX WY XXXX, GA XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I have sent numerous letters via Mail and have not had a response back yet. 
Per FCRA all information on my credit report must be accurate and consistent. I have provided a screen shot showing one of the accounts reporting inaccurate information.

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 2015-07-19
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was decieved by Franklin American Mortgage company. They gave us terms that were really good on the actual principal and interest to draw us in to choose them, but were n't forthcoming and transparent about how they configured Escrow as required by the Dodd-Frank act of Tila ( 2014 ). They were quite aware of my financial situation, but ignored it. When I complained about them deceiving us, they ignored me again. Because of this, I will lose my credit and my home. 

What Franklin American claims is that Escrow is simply taxes ( $ XXXX + insurance {$640.00} ) and for me this is approximately $ XXXX. Now, suddenly as we approach the XXXX year they say we owe them another {$2300.00}. We have put {$4900.00} into Escrow and now they want to increase our payments another $ XXXX. 

This is pure deception and violates the Dodd-Frank act, for if we had known that we were not paying 5 % on our loan, but 20 % monthly ( which is what it computes to approximately ) we would never have got involved with Franklin American. They lied to us from the outset and we want this issue resolved. They are in gross violation of the Dodd-Frank act!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage lenders Green tree servicing place force place insurance on to my mortgage payment every month without my consent.they harass me on before the XXXX of every month, call me day and night demand payment quick and a {$12.00} XXXX XXXX they change my mortgage payment from {$1900.00} to {$2000.00} without explain why, the denial my loan modification XXXX time, the give the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent a QWR via certified mail returned receipt requested to my mortgage lender DITECH Financial LLC, requesting information on XXXX XXXX, 2016, and received the green card with signature showing that DITECH received QWR on XXXX XXXX, 2016. The allotted 5 days to to confirm receipt of my QWR expired on XXXX XXXX, 2016. Today s XXXX XXXX, 2016 and I have still not received confirmation of receipt. Any assistance you could render will be greatly appreciated Best Regards, XXXX XXXX XXXX XXXX XXXX Loan # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have written to TransUnion to bring to their attention inaccuracies in my consumer report that are damaging. These negative and damaging information has caused me so much anxiety and many lost opportunities to apply for credit cards, buy a car or apply for a mortgage. 
I'm requesting a reinvestigation into ALL the accounts mentioned in sent letter. As a consumer, I am exercising my right to dispute this information. According to the FCRA 15 USC 1681 e ( b ) and 15 USC 1681 i ( a ) 1 ( A ).

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 2019-02-20
Company: Nelnet, 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: Account information incorrect

Complaint:
XXXX is reporting 4 student loans from XX/XX/XXXX, XX/XX/XXXX and ( 2 ) XX/XX/XXXX on my report as in Bankruptcy. This information is incorrect, the account should show XXXX balance paid in full. 

I've contacted Nelnet who informed me that the information they reported in a XXXX   balance and paid in full. XXXX  is reporting false information. This information is being reported and adverse information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Home Point Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied to have my PMI removed from my loan from Home Point Financial in XX/XX/2020. To do this I needed to have my home valued at greater than " {$480000.00} to reach the required LTV of 75 % '' and thus would meet the requirement for PMI removal.

The company hired a person to do a BPO and his analysis ( price per sq foot ) suggested my house was worth $ XXXX. But then, wrote a value of $ XXXX, with no explanation of the lower value and no support for it. His report also had numerous errors such as having my sq footage at XXXX when its XXXX. 

My state assessor also assessed my home at a value of $ XXXX. I also provided 5 additional comps that showed my house value was above $ XXXX threshold to remove my PMI. 

I shared this information with homepoint financial and appealed the $ XXXX value which had no comps/evidence to support. They refused by appeal ( XX/XX/2020 ). I tried to call them to speak about this and they refused to speak to me and only referred me to an email address which I tried multiple times and was not successful in getting a response. 


It seems they are deliberately refusing to remove my PMI. The person they hired for the BPO came up with a value with no support, and it seems this was done intentionally so I would not meet the PMI threshold. The comps in the BPO report price per sq foot shows my home meets the requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked this company to stop calling me. I am aware of the collection. They are consistently notifying XXXX, XXXX, and XXXX every other day or every day reporting the same collection which are notifying me. This needs to stop!

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 2021-12-16
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:
-The investigation took more than 30 days. 
I was taken advantage of after several practices have been broken under the law of the FCRA. You have hurt my ability to obtain credit. CAN'T GET A SBA LOAN ( SERVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY XXXX Equifax XXXX consumer solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions 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:
This has been extremely hard for me and difficult I been trying remove these items off my report I have disputed these negative items off my report multiple times and no letters and the mail or nothing with verifiable content on why these items are on my report please look into this matter and because I look up the fair credit reporting act and there are clear violations as to why these items on my report should be 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 non-monetary relief
Consumer complaint received 2021-12-16
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Applied for student loan forgiveness as Ive been working as a public school teacher for over 10 years and it was denied. Ive paid on time for over ten years but even after the Biden administration said the forgiveness program was reformed I was still denied. For some reason the company says my monthly payments do not qualify. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I have recently obtained a copy of my XXXX credit report that reflects a credit inquiry made by your company on XX/XX/2016 that I do not recall authorizing. 

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my XXXX credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX, I wrote to each of the bureaus and asked them either verify the personal information being reported or delete it. I have a generational name and do not want my reports mixed or merged with a family member with a similar name. These inaccuracies are preventing me from receiving credit approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: PulteGroup, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am purchasing a new construction townhouse with Pulte XXXX and signed a purchase agreement on XX/XX/2020. As part of the purchase agreement to receive the builder 's incentives totaling {$9500.00}, I submitted a loan application to Pulte Mortgage on XX/XX/2020. The purchase agreement and Federal REG B guidelines required the lender to provide a " Notice of Conditional Loan Approval '' within 30 days of the loan application. I did not receive the conditional approval until XX/XX/2020. This is a violation of Federal REG B and a breach of contract by the builder. Now that I am within 45 days of the home being completed, I have not heard from anyone on my loan team since early XX/XX/2020 even though I have made repeated attempts to contact. I am concerned that the loan financing will not be complete in time for the closing. However, even if the lender approves the loan insufficient time for the closing, this does not negate the fact that the lender did not meet the 30-day requirement for the conditional loan approval. The lender also did not send out an Additional Information Request letter, which would have extended the 30-day requirement. I provided all documents within a timely manner, so I honored my portion of the purchase agreement. The Lender is in violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. I have inaccurate information reporting on my consumer report which is NOT in compliance with the FCRA.

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 2019-12-23
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: EQUIFAX, INC.
State: FL
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:
After carefully reviewing my credit report, the report showed credit inquiries and collection accounts that are not accurate. I did not authorize the inaccurate inquiries found on my credit report and I understand that the bureau are not to put an inquiry on my report unless I have authorized it. There are also some collection accounts listed on my credit report to be an error. I never had an account with those creditors and I do not owe those debts. 

On XX/XX/XXXX, I sent dispute letters to the credit bureau via certified mail so that the items could be investigated and reviewed with the creditor to be removed from my credit report if they can not verify the inquiries and collections by the provisions of the Fair Credit Reporting Act. 

As I stated, this was back in XX/XX/XXXX when I sent the dispute letters. It is nowXX/XX/XXXX-- 6 months  later and I have not receive a response back from the credit bureau regarding my dispute. Under the 15 U.S.C Sec. 1681i ( a ), the investigation must be complete within 30 days of receipt of the letter sent to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: NY
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 sent letters off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2022-07-24
Company: EQUIFAX, INC.
State: NY
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 sent letters off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, 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:
This has been extremely hard for me and difficult I been trying remove these items off my report I have disputed these negative items off my report multiple times and no letters and the mail or nothing with verifiable content on why these items are on my report please look into this matter and because I look up the fair credit reporting act and there are clear violations as to why these items on my report should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Back around XXXX and XX/XX/2019 I sent and reported to the credit bureaus that there were some fraudulent accounts actively reporting on my credit report and nothing was done. I complied with there requirements by providing supporting documentations including my id and ss and police report and to this day the fraudulent accounts with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX are still reporting on my credit report and misrepresenting my true credit profile.

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