BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-11
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax continually allows codes my account status incorrectly on my XXXX XXXX XXXX acct. XXXX! The code they use is, " XXXX '' That code represents = transfer/sold according to Equifax 's own legend via pdf. The correct code is either " XXXX '', = transfer/sold/paid or " XXXX '', = refinanced. " XXXX '' may also be used, which = paid & closed. But, " XXXX '' is the correct code. Equifax continually claims that it is the department of education that picks the code. However, after talking to " XXXX XXXX '', of the escalated services dept of Operations Services, she claims that the XXXX, is not privy to Equifax 's codes. She was not even aware of Equifax 's account Numbers, that pertain to The XXXX accounts on my Equifax report! " XXXX XXXX '', directed me to call Equifax , & request a discrepancy report by calling the XXXX directly @ XXXX. However, upon contact to Equifax they stated they could make no outbound calls. I spoke with a csr-XXXX, a supervisor XXXX ( XXXX ), and a manager XXXX in the consumer office of Affairs. Every Equifax representative insisted that the coding was on the XXXX, not on Equifax as a company. However, in talking to the XXXX, CFPB, and An FTC inquiry, I know that is not the case. XXXX, an Equifax supervisor told me that if " I wanted to complain about the XXXX, that I should talk to President Obama personally, that he was the only person higher, than any representative at Equifax. XXXX XXXX, stated that, " requesting Equifax to do an discrepancy report was " standard '' procedure. Equifax representatives, scoffed at such a suggestion. Even after conveying to Equifax , that I had consulted with an attorney, & knew the stays codes, they insisted that, putting a status code of " XXXX '' on my report & adding in " additional information '', .. That it has been paid! That is not correct!!!! Equifax has not even added an updated status reflecting that it is paid in full as of XXXX XXXX. It still shows -IN COLLECTION- as of XXXX XXXX. All Equifax reps say they will do is file a dispute, eve though 4+ disputes have been filed on this account in the last 365 days!!!! Experian, did file a discrepancy report, and my XXXX filing is now correct. XXXX is in the process of filing a disrepency report, but has properly updated my filing on my Equifax Report. Equifax , is not customer friendly. Even the Equifax manager I talked to XXXX, in the Consumer of office Affiars insisted that he knew more than me as an attorney, and that The XXXX, picks the stays codes, not Equifax. THEY ARE NOT THE XXXX STATUS CODES!!!!! NEITHER TE THE ACCOUNT NUMBERS ON MY EQUIFAX REPORT!!!! This has been a 9 month ordeal!!!! I have had to fight Equifax every step along the way!!!!! They do not have internal checks & balances, even if the information they put in reports conflicts with one another!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: CORELOGIC INC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RE : CFPB Case Number : XXXX claims that the " prior servicer 's tax vendor '' made the initial error which led to the escrow shortfall. The prior servicer is XXXX XXXX who identified CoreLogic as the tax vendor. I contacted CoreLogic nearly two months ago seeking clarification and have not heard back. 

Attached:1 ) XXXX XXXX response XXXX claiming prior servicer 's tax vendor made escrow error. 
2 ) XXXX XXXX 's response identifying CoreLogic as tax vendor. 
3 ) My letter to CoreLogic seeking clarification. 
4 ) CoreLogic 's signature of receipt of my letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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: Account status incorrect

Complaint:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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:
I have tried to contact this company on several occasions and still have not got anywhere at all. I have paid the vehicle in full and the car was never repossessed and it is reporting as such. I have sent in several letters and proof showing the loan has been paid in full and have not received a call or response from the company or the credit bureaus regarding this matter. I have sent correspondence on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
my husband and i, 10 years ago obtained a mortgage thru XXXX XXXX Loans, unbeknownst to us it is a 30 years ARM that adjusts every 5 years and is owned by America 's Servicing Company.As of XXXX it has doubled. We applied for loan modification right away, an appraiser was sent to my property to do an external appraisal. This is my first issue, the appraisal is full of such inconsistencies that its fraudulent and the valued of my home that had an appraisal for this mortgage for {$110000.00} was now valued at @ {$61000.00}. I pay property taxes based on XXXX Now i 'm faced with a mortgage i cant afford, a fraudulent appraisal on the XXXX now that values my home for XXXX for what i owe on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Many Hard Inquires from XXXX to XXXX that were not issued by myself the owner of the account. 
I 've called Equifax Credit bureau about the fraud committed against me and each time I call I 'm denied the right to dispute those hard inquires that has help destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: TX
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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent complaint letters to XXXX, where I requested them the investigation of few suspicious and inaccurate accounts in my credit report. They received the XXXX XXXX on XXXX, 2015 and the XXXX XXXX on XXXX XXXX, 2015. As of today 's date, I have not received any answer from them. I am desperate because I would like to buy my house and this situation is greatly affecting that possibility. They have exceeded the time allotted for investigating and have not answered any of my questions. This further supports my suspicions that the information is not mine. I do not believe that i am a victim of identity theft, I just feel that the information was mistakenly reported to my credit history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I used the XXXX website to request my credit report online and was refused. I have been delayed in obtaining a mortgage recently by some detail in my credit report, and needed to obtain my credit reports immediately, in order to clear up any discrepancy. When I submitted my request on the website, each of the XXXX credit reporting agencies refused to provide a report, and instructed me to request it in writing. This will cause weeks and weeks of needless delay in completing a mortgage request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: OR
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 issued a credit card under my name fraudulently. I was the victim of Identity theft and have filed reports with Identitytheft.goc as well as a police report. I asked that the account be cancelled and a notice sent to the credit reporting bureaus acknowledging that this was a fraudulent account. 

Despite contacting the agency ( phone, I do not have dates ) and last month by email, I have not heard anything back from the company, nor have the credit reporting bureaus Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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 reported to the credit bureaus XXXX, XXXX and XXXX that the account of XXXX was a fraudulent account. I submitted disputes on XX/XX/XXXX and XX/XX/XXXX, XXXX deemed the account as fraud and removed the item from my credit report. I placed disputes for XXXX with the two credit bureaus XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The reasoning being fraud. On XX/XX/XXXX the account were completed and deemed to stay on report. I called and reached out to the XXXX  on XX/XX/XXXX and the representative agreed there was information in my file stating that the account was deemed to be fraud in my favor and the account was to be removed off my file in XXXX. The representative the stated he sent a message to the department that was in charge to take off the issue. I then requested to have something in writing and he stated that there was nothing he can provide via email or mail. I stated this is troublesome to me because i been getting the run around and i needed something tangible to have for my records in case of future issues. He became frustrated so i requested to speak with a supervisor. He transferred me and when she was on the line she gave me a whole different store of not having a remove request on my credit report and that there was no fraud disputes on file that i had to actual start one with her. At this point i create one with her and reference the new FTC report i had to create because of them not having my information on file from the past. This company is very unorganized and i am very concerned that they are not trying to accommodate my concerns with this fraudulent case. 


As for portfolio recovery services I placed disputes for two accounts ( XXXX and XXXX ) with portfolio recovery services and the credit bureaus XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The reasoning being fraud. On XX/XX/XXXX the accounts were cleared to be removed off my credit reports but for some reason they are still reporting on my transunion. I spoke to a representative on XX/XX/XXXX who has agreed that both accounts are requested for deletion to the credit bureaus which they also stated they would send me copies of this information with 5 business days in unmarked white envelops.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Oklahoma Student Loan Authority
State: LA
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:
This account is from a student loan in XXXX & pell grant in XXXX & the loan is in process of being forgiven. Why they reported it to my credit in XXXX more than 10 years later I will never know! The amounts are equaling to almost {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Cash Link USA, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I called CashLinkUsa to extend my loan for additional funds. The first person I talked to ( a male ) stated they can't give me anymore funds unless I pay it off and then they can start a new loan. He said once I pay it we can get on the phone with my bank to make sure it cleared and we can process a new loan the same day. 

He transfered me to a CSR ( a woman ) and she stated that a new loan couldn't be process for 30 days. I told her the man I just spoke to said I can do it the same day. She said I can take the payment but the loan can't happen until Monday. 

So I paid off the loan then I got on the phone with another loan rep ( a male ) who says now we can't do it because you paid off with the debit card and we have to wait 30 days ultimately putting me in a bind because I have to pay a bill that has to do with my internet services of which I can't work with out it. I work remotely so without internet I'm in a bad place and can't work.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed with all three credit reporting agencies on XXXX XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX certified mail and fax. I have included proof that I have never been late on the account. There is no way they have verified that account because it shows the loan type as child support and child support is not a loan. I have never took a loan out from the XXXX XXXX XXXX XXXX. That is n't even supposed to be reported because child support is Title IV-D which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the XXXX XXXX XXXX XXXX does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by all three reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, I am the mortgage holder of the home property at XXXX XXXX XXXX California where I lived between XXXX. The mortgage was transferred under my name when modifications were done to fit government federal rules on home mortgages. 

I was awarded Wells Fargo XXXX ( reward ), a special program which allows talented high school students to be awarded a home mortgage. 

Now, about thirty years later, the bank has been postponing in notifying about the current status of the home mortgage. I have been sending frequent communication to the Wells Fargo home loan department without getting an answer.

I urgently request that you investigate this matter as I have been told by many neighbors that this could be a scam. 

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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This account is from a XXXX loan in XXXX & pell grant in XXXX & the loan is in process of being forgiven. Why they reported it to my credit in XXXX more than 10 years later I will never know! The amounts are equaling to almost {$14000.00}.

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 explanation
Consumer complaint received 2017-08-15
Company: Ocwen Financial Corporation
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
Hello XXXX Thank you writing. I am one of the escalation managers handling cases for the Liquidation department. A review of the attachments received shows the borrower is offering {$1000.00} to settle the deferred principal balance amount of {$60000.00}. I am reaching out to let you know that there is only one lien on the property which is with Ocwen and we do not do settlements on part of the principal balance that is owed on loans. That is not an option. Borrower can call customer service at XXXX and schedule an appointment with the Relationship manager to discuss other loss mitigation options. I can assist if the borrower would like to sell the property. You may visit the below link for mortgage assistance options : XXXX XXXX XXXX XXXX Thank you Regards, If you would like to submit a notice of error or information request, please mail the request to Ocwen Loan Servicing LLC | Attention : Research Department | XXXX. XXXX XXXX | XXXX XXXX XXXX, FL XXXX XXXX XXXX Escalations Collateral Based Solutions. Ocwen Loan Servicing, LLC Work : XXXX ( XXXX ) XXXX XXXX www.ocwen.com To : Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX From XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX Re : Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} At this time, I am writing to offer Ocwen Loan Servicing {$1000.00} to settlement and fully release of 2nd lien Loan Deferred Principal Balance of {$60000.00} from the property of XXXX XXXX XXXX XXXX MN XXXX loan number XXXX. We have done everything in our power to make ends meet but unfortunately we have fallen short and ask that you to consider to settle our2nd lien Loan Deferred Principal Balance in full. Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} would fully release all personal liability and the lien from the property located at XXXX XXXX XXXX XXXX MN XXXX loan number XXXX A payment was applied to loan number XXXX XX/XX/XXXX for {$8700.00}. I would like this payment to be considered part of the Settlement of 2nd lien Loan Deferred Principal Balance {$60000.00} With the home valued at {$190000.00} and 1st mortgage balance at {$180000.00}. A foreclosure would net the 2nd lien Loan Deferred Principal Balance {$60000.00} nothing.. We personally, want to make a good faith effort to Ocwen Loan Servicing pay the {$1000.00} that we are offering. We have the means to obtain this amount for our settlement offer now. And as this 2nd lien Loan Deferred Principal Balance has been included in a chapter XXXXbankruptcy action, you would not get any of the balance owed. I would appreciate your timely acceptance of this offer. As this offer will expire 30 days from the above date. XX/XX/XXXX Sincerely, 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