BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-18
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We took out a swing loan which was recorded on XX/XX/XXXX ( paperwork attached ). We paid it off on XX/XX/XXXX ( paperwork attached. We received the deed to the prperty on XX/XX/XXXX ( attached ). We received a sales aggreement to sell this property on XX/XX/XXXX. When the title was being reviewed it was brought to our attention that this loan was never properly closed and there is still a lien on our property ( attached ). We require a " Letter of Satisfaction '' from the mortgage company before we can sell our property. The setlement coordinator for our real estate company along with the title processor have contacted the mortgage company with no satisfaction. We have also made the following phone calls : XX/XX/XXXX @ XXXX XXXX  we talked for 43 minutes and were hung up on. 
XX/XX/XXXX @ XXXX XXXX  talked to XXXX for 58 minutes without any results XX/XX/XXXX @ XXXX XXXX  talked for 10 minutes without any results ( all mail boxes were full ) XX/XX/XXXX @ XXXX XXXX  talked to XXXX ( ID # XXXX ) for 24 minutes. XXXX requested we fax her the paperwork and she would review and call us the next day. We faxed her the paperwork @ XXXX XXXX. Currently XXXX has not returned our call. 
XX/XX/XXXX @ XXXX XXXX talked to XXXX  ( ID # XXXX ) for 29 minutes without any results XX/XX/XXXX @ XXXX XXXX  talked for XXXX minutes to XXXX ( ID # XXXX ). XXXX requested we fax this information which we did later that day. 
The customer service representatives say they have no information or history of this loan. We have also contacted the " Lien Release Team '' of the Mortgage company mjultiple times but have not received a call or reply of any sort. We need this " Letter of Satisfaction '' ASAP as it is holding up our sale. We already missed the first settlement date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent letters on XX/XX/2022 to XXXX, Equifax and XXXX about unrecognized negative items on my credit report and have not received any Information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent letters on XX/XX/2022 to XXXX, XXXX and TransUnion about unrecognized negative items on my credit report and have not received any Information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX XXXX XXXX account # XXXX late payments 30 day and 60 day XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account account # XXXX. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-09-11
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My wife and I took out approximately {$24000.00} each in federal student loans, for a total {$48000.00}. We got married before either of us graduated from collage, but after graduation it was recommended that we consolidate our loans into XXXX. When we had originally taken out the loans, we were mislead ( lied to ) with regards to the interest rates, processing fees and repayment schedule. We had the original agreements, however our loans have been sold so many times that for a while we were not sure who was servicing our loans. Currently, Great Lakes is the company servicing our loans. As I mentioned, we borrowed approximately {$48000.00}, Great lakes claims that we owe a little over {$130000.00} and expect a payment of {$96000.00} now and {$8400.00} a month for an undisclosed amount of time. We have attempted to set a reasonable payment arrangement multiple times. We speak to an agent, negotiate terms that we can afford, the agent says that they will send the paper work. We fill out and return the forms and when we follow up on the status we would hear the same thing. " We are sorry, but that agent was not authorized to make that type of arrangement and is no longer with the company ''. We have been through this scenario no less than 20 times and our loans continue to get higher and higher. We are actually being charged interest on our interest. Instead of 8 %, we are being charged more like 75 %. And there is no limit to how much this balance can grow, even to the point that we can not service the interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXXXXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX  XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: ND
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 Report Act XXXX Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my right . 

15 U.S.C. 1661 Section 602 A state I have the right to privacy.

15 U.S.C. 1661 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-08-11
Company: Experian Information Solutions Inc.
State: NH
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:
This complaint is Against Experian for not following the fair credit reporting act and not reporting XXXX XXXX XXXX to the proper federal jurisdiction for breaking the law. 

Currently experian is wrongly allowing XXXX XXXX XXXX  to break the fair credit reporting act as creditors are required to update accounts/reports on a monthly basis. As of today XX/XX/2020 My report shows the XXXX  XXXX XXXX personal loan account, that I borrowed against myself, that it has not been updated since XX/XX/2020 and it still shows the account balance of {$9000.00}, when the account balance should be zero and reflect as all payments were made on time. This was paid off on or about XX/XX/2020. 

Experian knows this hasnt been updated and for the failure of Experian to not provide accurate reports suggests Experian knows theres problems with my social security number and accounts should automatically be updated through the computer credit data basis. All of this Evidence is pointing that my Experian credit are reports and or accounts are not tied with my social security number. 

Which means Experian is manually updating my reports when it should be an automatic computer interface within all banks and creditors. If this doesnt get resolved immediately then Experian is admitting to breaking the law with XXXX XXXX XXXX and other creditors in the past. Iv had to file atleast a dozen if not more complaints with just Experian in  the last two years, which proves there s a computer Interface problem with my social security number and credit information. 

My report is being manually updated and its identity theft. Should be automatic. Im not accepting the law being broken and the abuse from experian. I shouldnt have to file a dispute or complaint every month for basic reporting and to get a correctly updated report. And your stealing money for not giving me automatic accurate credit reporting.

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 2016-05-12
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient reported to my credit report that the loan was past 60 days due. I have made multiple attempts to change the address they have on file to the correct address. They still keep sending my mail to my old mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a paypal debit card. 

I live in XXXX XXXX, XXXX. 

due to typhoon odette, around XX/XX/2021, the city suffered a city wide blackout, fuel shortage, and telecom blackout. 

I went to an ATM at XXXX XXXX to attempt to obtain cash to pay for food. hundreds of people were in line at the atms. I went into the mall, and found an atm I frequently used, there was no line. 

I attempted to withdraw XXXX XXXX  ( {$200.00} ). the machine did not dispense any money, nor did it give an error. I kept the receipt. 

immediately, I made a 2nd attempt. it gave an error for transaction denied or otherwise. no money was disbursed. 

I did not receive any money from this transaction. 

when we had electricity again, I borrowed a cell based internet device and disputed the error online with paypal. there is no option for 'did not receive cash ', so I selected something similar. 

I wrote i the small box that I did not receive the money. 

paypal did not investigate whether i received the money. they only investigated if the dollar amount for the transaction at paypal matched the dollar amount at the bank, what I requested. they did not investigate my claim that the funds were not disbursed, clearly written by me in the dispute. 

there is no way to appeal, the chat / contact system did not allow me to speak to a person or leave a message. 

paypal did not disclose to me in accordance with 1005.11 ( c ) ( 4 ) that I had a right to request the documents used in making the decision. I do not have any of the documents used in making the decision. 

I wrote letter to paypal XX/XX/XXXX which was not responded to. 

I chatted with them online and they refused to assist me, and gave a false reason. they merely state that the atm was reported to be functional, which is clearly a lie, because the city was in the middle of a city wide blackout, and gas stations were closed, they had no way of putting cash in the atms because there was no fuel for any vehicle to deliver the cash. all stores were closed. there was power at the mall where the atm was located, but all the stores were closed. 

I did not receive the money. I demand a full refund of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX reported me late for XXXX & XXXX of XXXX to the 3 major credit bureaus. I was not late. I disputed the adverse reporting multiple times & XXXX XXXX XXXX XXXX, has refused to update the reporting. The adverse reporting dropped my fico score thus preventing me from being approved for a home loan. I was late in XXXX of XXXX, but was told that the adverse reporting would not be reported due XXXX not reporting to the major credit bureaus from XX/XX/XXXX- XX/XX/XXXX due to a major system issue and update. 
Per the XXXX instruction page, " If you have concerns regarding information about your XXXX XXXX XXXX account, please contact our Customer Service team at ( XXXX ) XXXX. '' I've called 3 times, the 1st CS placed a dispute, ( this was in XXXX can't recall her name ) the second attempted to connect me to the credit maintenance dept ( XXXX XXXX but she was told " since XXXX couldn't report during those months they used another month even if I was current in that month and therefore they won't update the adverse reporting. I spoke to a manager ( XXXX XXXX who placed another dispute. She requested they update, XXXX of XXXX to reflect as late and the adverse reporting for XXXX to be corrected as, " paid as agreed. '' This is unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: WELLS FARGO & COMPANY
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo called my number asking for payment of a vehicle loan that my ex-wife has posession of through our divorce. She is there months behind and I am cosigner, unfortunately she has legal rights to the car and since I am only cosigner I have none but resposible for the debt even though she has posession of the car. Wells Fargo has threaten to call my chain of command as I am in the military and not just my immediate but they ask for the commanding General number which is way above who they need to call. This could cause serious issues and possible separation at 18 years of service for something out of my controll.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
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: Old information reappears or never goes away

Complaint:
On equifax.com, there are 2 collections on my credit report, {$89.00} and {$200.00}. they are not showing on my other credit report from XXXX   and XXXX these 2 accounts were paid off and closed at least 60 days ago. I filed dispute online with Equifax many times, and I also called this 2 collection companies, the collection companies said they sent over my closed account statements to equifax at lease 3 times. but now these 2 collection still showing my reports, and equifax customer service phone couldn't answer my call and I can not dispute these 2 collection online with them. 
Please delete these 2 collections from my credit report. 
thanks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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:
I disputed XXXX through XXXX. Student loan XXXX XXXXXXXX XXXX XXXX ; they keep passing inaccurate information to the next organization. I tried several times because my record is in good standing ( since then ) apparently something happen in XXXX for a few months and XXXX for a few months. This was no fault of mine. XXXX late payments is the result of negligence of student loans reporting false information. 

They also they violated my rights 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also they violated my rights 15 U.S.C 1681 Section 611 ( 2 ) ( A ) The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

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 2015-06-23
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They keep calling me although they have the wrong name. I told them in so many words but they still call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After XXXX attempts to consummate a short sale for this property, for XXXX reason or another Bank of America was unable to proceed. After finally figuring out that BofA did not want a short sale, I quickly applied for the deed-in-lieu program. The investor, XXXX, has approved the deed -in-lieu but BofA has declined the process. The sale date is scheduled for XXXX/XXXX/2015. I have called as many agencies as I could to stop the foreclosure so we could consummate the XXXX. I have also filed a pro se motion with the court to postpone the sale date to give ample time to finish the XXXX. All paperwork is in and XXXX is willing but the servicer is unwilling to co-operate. What is my next step?.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
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:
I am a victim of identity theft the accounts listed on my profile are as a result of identity theft. Included are an identity theft FTC report. Delete these 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 2022-05-19
Company: EQUIFAX, INC.
State: KS
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:
These inaccurate addresses are reporting on my personal credit file with Equifax, XXXX and XXXX credit reporting agency. There are no name associated with this file, I don't think these inaccurate addresses are 100 % accurate because I don't even connected in these stated addresses. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my credit fileXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief