BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
Company: USI Solutions Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A representative from The USI Solutions office contacted me in an attempt to contact my spouse. Red flag # 1 was they utilized my spouses maiden name which she hasnt gone by since 2015 # 2 they had no contact information for her only my phone number. # 3 they didnt even know her spouses name the owner of the phone number which they had contacted. They also could not provide an email to my spouse regarding the issue or contact information for the office. 

Representatives # XXXX XXXX XXXX Ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: GA
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 XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage Assistance Application Loan # XXXX - Attn : Case Manager 1, XXXX XXXX Hello, I have been working with my mortgage company to modify my mortgage. Due to a job loss in XX/XX/XXXX, I was unable to meet my mortgage obligations. So I have applied with my lender to modify my loan. Recently my most recent application was over 90 days old so the lender asked me to fill out another loan modification application and financial form. And this was requested by XX/XX/XXXX. But in doing this my mortgage company on XX/XX/XXXX notified me that a foreclosure sale date has been set for XX/XX/XXXX. According to my research Regulation X of The Real Estate Settlement Procedures Act of 1974 ( RESPA ). Notes that if a loan modification application has submitted a lender can not set a foreclosure date that's more than 37 days of the application. But that's exactly what my lender has done. There has been a lot of confusion from my lender, the loan has changed management companies 2 times since the start of this application. I actually have two letters on the same letterhead dated the same but with different information. One letter states my loan modification can not move forward. And the second letter dated the same date as the first asked me to send in more documents to further review my application. 

PHH Mortgage Services enforced by XXXX XXXX Sincerely yours, XXXX XXXX XX/XX/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 2017-06-12
Company: Experian Information Solutions Inc.
State: MN
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  XXXX  account with an opened date  XXXX   XXXX ,  XXXX , do n't belong to me and should not be listed on my  XXXX , Experian or  XXXX   XXXX  credit report. The following credit inquiry is fraudulent and unauthorized :  XXXX   XXXX ,  XXXX   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 non-monetary relief
Consumer complaint received 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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   XXXX   account with an opened date  XXXX   XXXX ,  XXXX , do n't belong to me and should not be listed on my  XXXX ,  XXXX   or Trans Union  credit report. The following credit inquiry is fraudulent and unauthorized :  XXXX   XXXX ,  XXXX   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 2017-06-12
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The compan y is M & T Ban k. They are not any other similarly named banks but they do have addresses i n four differ ent states and/or cities. I have what I believe they designated as a commercial loan notwithstanding the loan is in my individual name. I sold my property on  XXXX   XXXX  and am scheduled to close  XXXX   XXXX . All closings take betwee n 30 and 45 days to close. I got the payoff letter today from the attorney closing the transaction. M & T Bank is refusing to release my tax escrow saying that they will " handle that separately '' af ter the closing. They also charged me  XXXX  for not asking for the payoff letter 60 days ago. Neither of these practices comply with standard banking procedures. Since I have to give the tax escrow to the buyers at the closing and it is almost  XXXX  I will be out approximately  XXXX  all together and will be at the mercy of this " bank '' if and when I get my tax escrow back. I anticipate further bogus fees in that regard.

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 2022-08-16
Company: Experian Information Solutions Inc.
State: NC
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:
For the last 6 months, I have attempted to resolve the innaccurate information that's showing on my credit report profile with this bureau. I have not received any relevant information regarding why these items are still on my credit report. 

I have sent letters, called and there's been absolutely no response and these items are still not removed off of 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 non-monetary relief
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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:
Experian and XXXX Documents Enclosed

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 2020-02-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I asked Experian to remove the reporting of my 10 year old bankruptcy due to the length of time they have been reporting it - 10 years! 
Instead, they reinvestigated the accuracy of the bankruptcy which I am NOT disputing! 
I asked that they remove it because this reporting stays on your report for 7 years or more AT THE DISCRETION OF THE REPORTING AGENCY! The information is accurate. I am not disputing that. I am asking them to remove it based on length of time that has passed! They are allowed to remove this and are either ignoring me or choosing not to remove it by their own choice as it is in their purview to remove it any time between 7 and 10 years. Upon my request, they should remove it as it is 10 years ago! If they are choosing not to, they are being discriminatory and leaving it on because they dont feel like removing it! 10 years! XX/XX/2010! Please remove this OUTDATED 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 2021-05-14
Company: LDF Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Lendgreen is calling her 2-3 times every day. This has been going on for weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: UT
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, XXXX  and Equifax are still reporting an inaccurate account on my credit file. This account is over 7 years old and is well past the statute of limitations. Under the law they are supposed to respond to me and they have not. They have yet to provide proof of this debt and account or how they verified it is valid. 
It is not valid and it needs to be removed - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: EQUIFAX, INC.
State: OK
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:
In XX/XX/XXXX, I received my first statement from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating my Title XXXX Federal Student Loan was going to be reported delinquent. As a result, I asked Federal Loan Servicer XXXX XXXX to consolidate the Title XXXX Federal Student Loan with my other student loans. On XX/XX/XXXX, my XXXX Title XXXX Federal Student Loan was consolidated to my other XXXX XXXX Federal Student Loans, which are frozen in Federal Unemployment Deferment, as noted in the attachment from XXXX XXXX. However, XXXX reported me as delinquent in XX/XX/XXXX. My XXXX Title XXXX Federal Student Loan is not delinquent in XX/XX/XXXX, since it was consolidated inXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: DataMax Corporation
State: AL
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:
Currently, the credit bureaus are reporting the same debt in separate entries per what is being provided by  Interstate Credit Collection  and  XXXX   XXXX   XXXX . The balances are not accurate or matching up. I have attached a letter where asking for assistance in matter but have not heard back from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I entered into a consumer credit transaction with Nissan Motor Acceptance Company on XX/XX/2018. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance but NMAC made me purchase insurance separately. NMAC is in violation of 15 USC 1692b ( 5 ) by using a symbol on the envelope and in the contents of communication mailed. NMAC is in violation of 15 USC 1692f ( 1 ) by trying to collect any amount. NMAC is in violation of 15 USC 1692e by false and misleading representations by having charges in a positive balance, by having 3 separate charges, and that non payment will result in seizure of property. NMAC is in violation of 15 USC 1692d ( 2 ) the use of obscene and profane language and 15 USC 1692d ( 1 ) the use or threat of use of criminal means to harm my reputation and by threatening to report a bad debt to a consumer reporting agency. NMAC is in violation of 15 USC 1611 for criminal liability for willful and knowing by failing to provide required information about finance charges and right to rescission NMAC is aware of violations and has proof in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Walmart switched to Capital One for their credit card in the last year. All existing customers of their previous credit card we transferred to the new Capital One credit card. I activated the card per the instructions and made a purchase. 

Upon wishing to make a payment and setup the online access I'm being asked for my mobile number verification. I do not wish to provide them with my mobile number. Upon calling customer service I was told they have no other way of doing verification. This is not true. I shop with other merchant credit cards such as XXXX regularly and they do not force customers to verify their mobile number. 

Moreover, as a condition of being included in the 'rewards ' program. I am being forced to download the Walmart app  and use it as a method of payment. While this is obviously optional, it speaks to the merchants efforts to force the end customer to disclose private information as per their TOS for the credit card and mobile app. A customer 's mobile number should not be a condition of service and is completely dishonest and fraudulent to imply that this is the only verification method. I'm now left with no other recourse other than to close the account and forfeit any rewards I earned for not wishing to disclose my mobile number. 

Capital One is being dishonest this is not about consumer security, this is about data mining and tracking users personal informaton.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
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: Account information incorrect

Complaint:
I have   XXXX   duplicate Department of Education tradelines on my credit report for the same  XXXX  loans. I have completed a loan rehabilitaion through   XXXX   XXXX   XXXX   and my loan has been sold to   XXXX   XXXX  . Part of the agreement with the loan rehabilitation is that the defaulted and duplicate accounts would be removed when the loans are consolidated and sold to a new servicer. A will attach documentation pertaining to both the removal agreement and the new loan servicer agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I  have  XXXX  duplicate Department of Education tradelines on my credit report for the same  XXXX  loans. I have completed a loan rehabilitaion through   XXXX   XXXX   XXXX   and my loan has been sold to   XXXX   XXXX  . Part of the agreement with the loan rehabilitation is that the defaulted and duplicate accounts would be removed when the loans are consolidated and sold to a new servicer. A will attach documentation pertaining to both the removal agreement and the new loan servicer agreement.

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 2017-06-12
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
O n   XXXX   XXXX   XXXX   a QWR and NOE was faxed  over to the lender and the have failed to respond before the sale date. The have not provided proof of debt owed. A NOE with an active sale date was faxed over on   XX/XX/XXXX  a nd they have failed to move the sale date to allow the homeowner to have proof of debt owed and make arrangements. The have failed to allow a modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
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: Their investigation did not fix an error on your report

Complaint:
I asked XXXX to remove the reporting of my 10 year old bankruptcy due to the length of time they have been reporting it - 10 years! 
Instead, they reinvestigated the accuracy of the bankruptcy which I am NOT disputing! 
I asked that they remove it because this reporting stays on your report for 7 years or more AT THE DISCRETION OF THE REPORTING AGENCY! The information is accurate. I am not disputing that. I am asking them to remove it based on length of time that has passed! They are allowed to remove this and are either ignoring me or choosing not to remove it by their own choice as it is in their purview to remove it any time between 7 and 10 years. Upon my request, they should remove it as it is 10 years ago! If they are choosing not to, they are being discriminatory and leaving it on because they dont feel like removing it! 10 years! XX/XX/2010! Please remove this OUTDATED report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have two problems regarding my PMI policy and the way it was handled by US Bank. Issue   1 is frustrating but no longer relevant to being fixed for me, issue 2 is still a problem.
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1 ) PMI insurance has to be maintained for 5 years before you can request cancellation. I refinanced my loan after having it for 4 years to get a lower interest rate. Nobody informed me it would restart my PMI clock, so I 've had PMI insurance on my loan for   almost 9 years, which is frustrating at over {$75.00} per month on a {$550.00} mortgage.
<P/>
2 ) 3 months ago, I reached 5 years and less than 80 % and I have met all other qualifications to remove the PMI from my loan. Nobody called or sent a letter to inform me I could get it removed ( irritating ). So I called and spoke with a rep who verified all the qualifications and said I qualified to have it removed. I asked him to request it removed and he said, " I ca n't ; you have to send in a request in writing to have it removed. This feels like a run-around to get even more money out of me and make it mor  e difficult to cancel it so I might just not worry about it and keep the PMI. ''

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have previously tried twice to dispute an fraudulent account from my credit report. I submit my disputes on XX/XX/2022. The company responded saying ( the account verified ) with no proof of my signature. This account was open without consent and it needs to be removed from my credit report. 
These companies are not following the law according to Fair Credit Reporting Act ( FCRA ). USC code 1681 ( A ) states credit reporting agencies must conduct reasonable investigation when a consumer myself submit a dispute and delete information if the information is 100 % accurate. 

Account : XXXX XXXX XXXX 
Account : XXXX Transunion - account verified XXXX  - account verified The ( FCRA ) federal fair credit reporting act promotes the accuracy, fairness, and privacy of information in the files of consumer 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 non-monetary relief
Consumer complaint received 2017-06-12
Company: Experian Information Solutions Inc.
State: MN
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:
In the fall of  XXXX , I tried to repair inaccurate reporting of a closed   XXXX   XXXX   XXXX   account through   XXXX   that showed up on my Experian Report. I settled the account in  XX/XX/XXXX  with   XXXX   XXXX   XXXX   XXXX   and closed it. However, old information still appeared on Experian. I became aware of this inaccurate reporting situation when we began looking to buy a house and got our credit reports for the first time as a couple. When I called   XXXX   XXXX   XXXX   XXXX   to have this remedied, asking that they update the information, it made the account look more newly closed, dating it  XX/XX/XXXX  This only appears on my Experian report. I 'd like to have this removed. For my report to be accurate, the account was closed  XXXX . I believe it should no longer be on there. Can you help me? I 'm afraid to call back directly, as my first attempt to remedy this only made it worse.

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