BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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:
There seems to be an error on my consumer report furnished by XXXX XXXX XXXX XXXX On my consumer report, there is a late payment reported which is causing damages to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldn't be any late payments? Is XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt out or limit sharing of my credit worthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is defined as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX  has been accepting from me for the past years if under United States Code it is defined as commercial development of oil, natural gas, or minerals? Is there a yield of the investment on the account that's due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my person 's consumer reports needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be returned back to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: AZ
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Phoenix Recovery Group

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA RECOVERY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: United Shore Financial Services, LLC
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have a VA backed mortgage with United Wholesale Mortgage aka UWM. We are moving and want to offer other XXXX a chance to assume our mortgage at a very favorable rate. However, UWM has been dragging their feet for more than three weeks now and already cost us one buyer. Every time we contact the company, we get a nonsensical answer ( e.g., they want to process this like a succession ) or they keep saying that the mortgage assumption package will be coming ( in XXXX, XXXX, XXXX hours, two more business days, the process normally takes 60 days, etc ). We are losing time and money from this mortgage company and their bogus delays. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2017-09-08
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: Their investigation did not fix an error on your report

Complaint:
I have 4 XXXX student loans that are still being reported " past due '' after 2 months of being paid. Equifax and XXXX refuse to update these accounts and show paid as agreed or atleast current. Please help me this is killing my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted the loan Modification to Ocwen Loan Servicing, LLC. XX/XX/XXXX and conditions on XX/XX/XXXX. I do not receive Ocwen Loan Servicing, LLC. non-approved letter untilXX/XX/XXXX. Under California Homeowner Bill of Rights : SEC. 7.
Section 2923.6 of the Civil Code is amended to read : 2923.6.
( d ) If the borrowers application for a first lien loan modification is denied, the borrower shall have at least 30 days from the date of the written denial to appeal the denial and to provide evidence that the mortgage servicers determination was in error.
( e ) If the borrowers application for a first lien loan modification is denied, the mortgage servicer, mortgagee, trustee, beneficiary, or authorized agent shall not record a notice of default or, if a notice of default has already been recorded, record a notice of sale or conduct a trustees sale until the later of : ( 1 ) Thirty-one days after the borrower is notified in writing of the denial.
( 2 ) If the borrower appeals the denial pursuant to subdivision ( d ), the later of 15 days after the denial of the appeal But Ocwen Loan Servicing, LLC. ignored the law and continued foreclosure on my property, their attorney mail me the Notice of Trustee 's Sale date on XX/XX/XXXX.
Ocwen Loan Servicing, LLC. and their trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX continued to ignored the law and foreclosure my property.
Please see attach all documents for your to review.

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 2022-07-13
Company: Eastern Account Systems of Connecticut, Inc.
State: IN
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'm on my third dispute resolution for the same problem with the XXXX company. Both XXXX and XXXX resolved my dispute in my favor on the first request. It seems that XXXX is unwilling to contact XXXX XXXX regarding the information and dates I have provided them, and rather checks only with the collection agency, Eastern Account System. To no ones surprise, XXXX continues to say I owe a $ 52 monthly charge that was billed after I closed my XXXX account. 

The dates in question are as follows : On XX/XX/2021 I called XXXX XXXX and closed my account. I also turned off my autopay feature online on that same date. I was told and got a subsequent email to the same effect that my account closure would be immediate, as in that same day. My autopay billing cycle each month ended on the XXXX, and since XXXX bills a month in advance per their statements and website, I was paid up through XX/XX/2021. I was told on this same phone call to pay the {$10.00} termination fee which I did online. 

While traveling the following month I received a bill for {$52.00} for another month of service from XXXX XXXX, and by the time I returned I found out it had been turned over to Eastern Account System for collection. I filed disputes with all three credit agencies and XXXX and XXXX deleted the inaccurate charge from my credit report upon my first request, but XXXX for whatever reason seems to have no interest in doing so as well. 

I would greatly appreciate your assistance in getting XXXX to carefully review my complaint and invalid charge with XXXX XXXX and ask them to remove this entry from my credit report. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I am an American citizen living abroad at the time being. I initiated withdrawal from my COINBASE account via a XXXX payment to my bank in the XXXX on XX/XX/XXXXat XXXX XXXX XXXX time. ( reference number XXXX ) I had an email from coinbase saying it would reach my bank by XXXX XXXX 2017 It shows as COMPLETED in my coinbase account but my bank has had no such transfer. I have contacted coinbase via their email support however that support has been suspended. I attempted contact on their contact form by selecting " XXXX payments " from their drop down menu and was unable to submit the form due to their technical error. I was finally able to submit a complaint on their form by selecting " unable to buy and sell '' but they have failed to respond. I have tried 5 times to update my contact form in order to get a response but can not get any response at all from coinbase. There is no phone number to ring and no email to email. I am worried I have lost my XXXX XXXX. Please advise how to proceed. Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
On Thursday, XX/XX/XXXX I went to https : //www.equifaxsecurity2017.com/ after hearing about the Equifax hack that happened a month ago. There are reports now that just by checking, I was not only auto-enrolled in their service despite the website indicating I would manually enroll at a later date, but I also waived my right to sue in court if I am affected by the hack. The class action waiver was hidden in the terms of use and not made clear. Additionally, the website did not provide me information regarding whether or not I was impacted by the hack. I was only given a date on which I should manually enroll. I believe that Equifax is n't taking the situation seriously, and is attempting to avoid a class action lawsuit by tricking consumers into agreeing to arbitration only under the guise of caring about our personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I notified PennyMac Loan Services of a billing error pursuant to federal law 12 CFR 1026.13 ( a ) ( 4 ) and 12 CFR 1026.13 ( a ) ( 5 ) on all past, present and future billing statements and requested documentary evidence pursuant to 12 CFR 1026.13 ( a ) ( 6 ). The letter in response to my billing error dated XX/XX/2022 did not meet the requirement for a sufficient response by federal law. My request for documentary evidence was accompanied by an allegation of an error under 1026.13 ( a ) and a request for additional clarification under 1026.13 ( a ) ( 6 ), which should have triggered the error resolution procedure, instead I am being ignored and PennyMac is willfully neglecting to do their job. PennyMac did not address the billing error in their correspondence to me nor did they conduct a reasonable investigation to resolve the problem. PennyMac failed to deliver a written explanation setting forth the reason why they believe the billing error did not occur as asserted and failed to comply with the error resolution procedures set forth in 1026.13 ( f ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I've tried to dispute a XXXX account that a fraudulent account because I was in XXXX also a account with XXXX XXXX  and also all those inquiries on my credit reports that it wasn't me can you please help get that all deleted from my credit reports and I can't seem to update my phone number for the ID theft to not issue any more credit unless I'm contacted first thanks 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 non-monetary relief
Consumer complaint received 2018-05-22
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This is the second complaint that I have made to the CFPB about Discover Student Loans and their refusal to work with my hardship. FOUR times in just the past month was I given the incorrect information on my account stating that I was past due when indeed I was not. I have tired tirelessly to reduce my monthly payment ... NOT DELAY OR CANCEL, but have gotten no help from discover. Therefore, I have decided to contact a NYS lawyer in hopes of filing a class action lawsuit against Discovers unfair collection process and lack of clear/consistent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Around XX/XX/2007 my wife XXXX XXXX and I applied for a home mortgage from Wells Fargo Bank. Wells Fargo Bank in order for us to receive the loan with them required my wife and I to take a line of credit also.

Wells Fargo told my wife XXXX XXXX that in order to get the loan, the first loan on the house they were funding us for ( XXXX XXXX XXXX XXXX XXXX Ca ) we must take the line of creidit which will be like a second loan on the house.

Our mortgage with Wells Fargo would be conditioned, would only be granted if we took the line of credit - Were they ( Wells Fargo ) desirous of us using the line of credit and ultimately having to pay them interest fees on the line of credit?

I hypothesize so. Entrapment.

The issue is our home loan would only be granted if we agreed to their demand we take a line of credit.

The salesperson exploited my wife XXXX.

Evil. Evil. Give the customer the line of credit and hope they do not pay the full amount and charge them interest. Buyer beware indeed!!!!

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 2021-08-27
Company: Complete Credit Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been in contact with the collection agency named Complete Credit Solutions for some time now. The reason why is that they continue to report a false collection on my credit report for {$1800.00}, supposedly from a payday loan company called XXXX. I have told the reps at Complete Credit Solutions that I have never had an account with XXXX, much less received any funds from them. So there is no way that this could be my account. Instead of deleting it from my credit report, as I have requested, they tell me that I should dispute it at XXXX, XXXX, and XXXX XXXX if I believe it is not accurate. I keep disputing the account, as they say they should, but THEY keep verifying it to the credit bureaus. So this process is getting me nowhere in regards to getting this false account off of my credit report. Furthermore, payday loans are not even legal in the state of North Carolina. So even if this was legitimate ( which it is not ), XXXX could not have even made the transaction legally. So either way, this should be grounds for dismissal. I have been trying to get this false collection off of my credit report now for 6 months, and Complete Credit Solutions is doing nothing but deterring and obfuscating their responsibilities of the Fair Credit Reporting Act.

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 2022-02-13
Company: First Student Services
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please refer to my prior complaint : XXXX My loan was being serviced by XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX at one point. Initially, I complained and they claimed they could " neither confirm nor deny '' that I had any loans with them. Finally, after several phone calls they were able to give me a phone number to the new student loan servicer which is XXXX XXXX, XXXX. 

I was able to contact someone there and they said that they were now servicing the loan and that it would take time for them to input my data into their system. I provided them with my updated information and they said that for now, I should pay my student loans by telephone. I have been making monthly payments over the phone in the amount of {$700.00} since XX/XX/2021. I have not received a statement nor is it clear if they even have information on the original loan. At this point, I'm not even sure if the loan is valid and I'm simply paying because they simply think I'll continue to pay without question. We've asked for login information and gotten nothing. Now, six month later I'm still paying telephonically and there's no way for me to track who actually has my loan.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX  stated they where able to furnish my information to an unauthorized third party to unlawfully seize my vehicle. XXXX  also states that are able to infringe on my right to privacy due to the GLBA ( Gramm Leach Bliley Act ). The GLBA says XXXX ( the financial institution ) may not disclose non public information unless XXXX  has clearly and conspicuously disclosed to me and, I, the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX  continues to violate my rights as a federally protected consumer.

Company response to consumer: Closed with explanation