BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-09
Company: Navient Solutions, LLC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorized these enquires and ask for them to be removed.Credit Bureaus were contacted in XX/XX/XXXX & XX/XX/XXXX to remove enquires also

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
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:
The Credit Agency incorrectly shows a number of late mortgage charge against our account, in all about one year of errors in reporting. There were Zero late charges against our XXXX account in 2016. This is unfair, we attach two pages, a XXXX statement called the " customer account activity statement '' and there are zero late charges on this XXXX XXXX XXXX Statement.
We are being gravely harmed by the Credit Agency, as this report is stopping us from getting a mortgage. Their delay has cost us a serious increase in price of a house purchase. Also, an increased payment for 30 years, as interest rates have increased .. A loss of home enjoyment, because at XXXX, this lost time is invaluable. House prices and mortgage interest rates are continuing to increase rapidly in our area of intended purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
NewRez LLC is holding too much of escrow after all insurance and taxes have been paid by end of XX/XX/XXXX. 

I refinance my house with NewRez in XX/XX/XXXX. Purchased a new insurance due to a divorce. My insurance servicer billed NewRez for additional insurance payment in XX/XX/XXXX. However NewRez failed to response to the bill. I ended up paying additional {$750.00}. 

On top of me paying this amount, NewRez held excess amount of escrow in excess of two months. I tried calling for NewRez to remedy and provide a response. I have paid the principal and interest in the interim awaiting for the escrow to be fixed for XX/XX/XXXX payment. So far they have not issued a refund of excess of the escrow as of today. And they have charge me late fees while I already paid for the principal and interest and they have not posted this towards my balance. 

I want to make sure that no other individuals are paying more into their escrow beyond what the law requires. NewRez may be hoarding excess funds for other purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Ocwen Financial Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorized these enquires and ask for them to be removed.Credit Bureaus were contacted in XX/XX/XXXX & XX/XX/XXXX to remove enquires also

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Agency incorrectly shows a number of late mortgage charge against our account, in all about one year of errors in reporting. There were Zero late charges against our XXXX account in 2016. This is unfair, we attach two pages, a XXXX statement called the " customer account activity statement '' and there are zero late charges on this XXXXXXXX XXXX XXXX Statement.
We are being gravely harmed by the Credit Agency, as this report is stopping us from  getting a mortgage. Their delay has cost us a serious increase in price of a house purchase. Also, an increased payment for 30 years, as interest rates have increased .. A loss of home enjoyment, because at XXXX, this lost time is invaluable. House prices and mortgage interest rates are continuing to increase rapidly in our area of intended purchase.

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 2023-04-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, In XXXX of this year I noticed two hard inquires on my credit from the XXXX XXXX  app made on XX/XX/22. One was for American Express and the other as for XXXX  XXXX. I dont have open accounts/credit cards for any of these banks nor did I apply for one. I am making this complaint because I got in contact with the credit bureau and they advised me to make a complaint first so they can then investigate my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: NJ
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:
Equifax sent another letter dated XX/XX/20 claiming they do not have a credit file on me so they can not investigate. I have sent their requesting information 4 times, and they continue to send the same letter. 

Then ( attached ), they sent an email on XXXX stating I needed to submit my claim online when I do not have to use any special form or online process. 

Attached you will find the credit file they sent me prior to sending letters stating they had no credit file on me. Following that credit report, you will find all my attempts to resolve the matter they continue to ignore. 

It has been over 30 days and it is false they have no credit file on me when I have attached the file they delivered before my dispute requests. They must delete the negative items I mention in all 4 of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: EQUIFAX, 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:
None of the information on the credit bureaus are mine. I have been complaining about this for years. My  XXXX ,  XXXX , and Equifax are completely wrong.. This severe fraud is not right. I need my due process. I need this taken care of immediately!!! This is causing very serious complication in my life. Please help me resolve this asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian has once again put a fraud alert on my credit file that i did not request or authorize. It has just randomly reappeared. In XX/XX/2019 I had to fight to get this removed and it finally was. Now it reappears. I have contacted them about this new alert but nothing has been done

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 2020-03-09
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 disputed multiple accounts that started last XX/XX/2019. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I would like Well Fargo to explain to me why they have XXXX different prices for my home. This process has been on going for months. I believe they are stalling so that the XXXX HAFA incentive will no longer be applicable. The HAFA incentive expires at the end of this year. 
Here are the conflicting emails : From : XXXXXXXXXXXX Sent : Wed XX/XX/XXXX XXXX To : XXXXXXXXXXXX Subject : RE : XXXX XXXX XXXX XXXX XXXX We have received the appraisal and the adjusted counter amount is to a purchase price of {$730000.00}. Please submit the buyer 's highest and best offer by the end of this week. 
*** Please fax all documents to XXXX and ensure that the borrower 's loan number is included with your submission. *** Thanks, XXXX XXXX Loan Adjustor -HAFA Negotiator Default Decisioning | Short Sales - Private | XXXX XXXX | XXXX XXXX , IA XXXX XXXX XXXX XXXXXXXXXXXX Hello XXXX, I have received the following email from WF today : A review of this file has completed and a Notice of Short Sale has been issued. If you obtain a new offer meeting the required minimum net proceeds as shown in the Notification of Short Sale ( NOSS ) agreement, please submit the fully executed purchase agreement and HUD-1 in order to continue the review. 

LIST PRICE GUIDANCE : {$760000.00} NOSS EXPIRATION DATE : XXXX/XXXX/XXXX Any short sale offer may require Investor or Mortgage Insurer approval. 
In order to move forward with the short sale process, a new offer meeting the required MNSP must be received by the expiration of the NOSS. 
Please fax all offer documents into XXXX and ensure the borrower 's loan number is included with your submission. 

Wells Fargo has shown us all how corrupt they are. When is something going to be done about it??? I have a payoff number. Why does Wells Fargo just use that?? They are insisting on a higher payment. Why?? Who is that going to benefit?? Wells Fargo has supposedly has been given XXXX dollars from out government to HELP- So far I have received NONE. What are they doing with all that money??? 
I am a victim of the XX/XX/XXXX pick a payment predatory loans. After almost 10 years of mortgage payments my loan is now more then XXXX over what the original loan was back in XX/XX/XXXX. 
I was denied modification and any help back in XX/XX/XXXX/XX/XX/XXXX when I was struggling with the balloning monthly mortgage payments. I want justice and I want it NOW!!!

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 2016-02-18
Company: Pacific Union Financial, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my first home in XXXX XXXX. 
My home was financed through Pacific Union. Payment was set at {$1700.00} per month. 
In XXXX I received a letter in the mail stating that I had an escrow deficit of {$10000.00}. I repeatedly asked Pacific Union why it took them 2 years to notify of the escrow deficit. To this day they have not been able to give me a straight answer. My mortgage payment increased to {$2900.00} per month. I asked if they could refinance my loan to bring it back to a payment i can afford. They immediately told me they could not help me until i paid the {$10000.00} escrow deficit. I proceeded to find another mortgage company. 
XXXX XXXX approved my loan application with the escrow deficit and proceeded to purchase the loan from Pacific Union. XXXX XXXX told me since they were buying my loan i would not have to pay the following month until the following month. At this time Pacific Union called me and stated they did not want to loose me as a customer and stated they would refinance my loan. I responded to them if they can get me back to a payment i can afford i would stay with them. Unfortunately, the XX/XX/XXXX payment with Pacific Union was late due to my original plan of moving forward with XXXX XXXX. Pacific did not call me or get back to me on the status of my loan. I called them repeatedly and was finally able to get a response from them in XX/XX/XXXX. They denied my refinance due to the late and stated they could not help. My payment has gone down from {$2900.00} to {$2400.00} since i have been paying the escrow deficit. 
I do not understand how a Mortgage company can treat a new home buyer as myself with such lack of care, sympathy, and professionalism. My only option at this point is to sell the very first home i purchased because i can not afford to continue paying over {$2000.00} a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: DISCOVER BANK
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/2018 I cosigned a private student loan for my daughter with Discover Student Loans. We were told it would not be problem to consolidate and refinance the loans in order to have me removed as a cosigner and my daughter have a better interest rate once she graduates. This has been anything but easy. Discover will not allow my daughter to consolidate her loans ( 2 ) and remove me as co-signer, stating she does not qualify. They are unable to provide any credit criteria literally stating " its different for everyone ''. I have spoken to their consolidation department and manager - XXXX. They are unable to provide and unwilling to try and locate this information within Discover. They simply say " we put the application information into the computer and the " computer tells us '' whether it is approved.This is unfair and abusive credit practices. Consumers should have the right to know the credit score, DTI and any additional credit criteria required in order to be approved to consolidate the student loans. More importantly ; consumers should be told this information prior to accepting and obtaining the loan with Discover.My daughter 's interest rate is over 9 % which is awful for a recent graduate to have to pay when they are just starting out.The initial sales tactics are flawed and misleading ; only to now deal with their back operation pitfalls and a denial with no further information. Consumers should be provided with the criteria needed to qualify. Please stop these companies from taking advantage of college graduates who are trying to get an education and provide themselves with a better life and career.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
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: Was not notified of investigation status or results

Complaint:
I sent a complaint about so many inaccurate details information on XX/XX/2021. but to this day over 60 days have passed I still have no response coming from you. I feel like they are not taking me seriously for some reason, I was told that by law, you were supposed to respond within 30 days so is clearly a violation. I will seek legal help if i need to but I want these inaccurate information on my report deleted. if i need to take this to the next level I would but i hope this issue will be resolved soon and get me cleared from any misleading details. I am going to wait for your response

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have attached a letter of deletion from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I have previously sent to Transunion and yet the collection entry still exist on my credit report with them. Please remove the collection entry. I also am diputing the different variations of my name. I am only and have only been known as XXXX XXXX XXXX. Please delete the other variations. Also, I have never ever worked at XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-03-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage loan was slod to Specialized Loan Servicing around XX/XX/XXXX by XXXX XXXX Bank. Since than I have asking for records and filed dispute in writing and on the phone. I have also file complain with Attorney General of XXXX. I have also field complaint with CFPB as well. 
On XX/XX/XXXX I received notice dated XX/XX/XXXX, I received notice from XXXX XXXX XXXX XXXX whose address XXXX XXXX, TX XXXX, XXXX XXXX. Phone number XXXX. I have been informed my mortgage loan has been sold them and I have until XX/XX/XXXX to respond. 

On XX/XX/XXXX I received notice dated XXXX XXXX, XXXX from Specialized Loan Servicing whose address is XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX phone number XXXX. Notice states my multiple and multiple requests to provide records since XX/XX/XXXX need extra time. I am informed in this notice I should get response soon. 

Again on XX/XX/XXXX I received second notice for demand payment, workout solution and so on. 

XXXX XXXX XXXX has not resolved any disputes material of facts since XX/XX/XXXX. Unlimited amount of email and letters sent with many phone calls. I have not been provided information. Now loan has been sold and I must work with XXXX or XXXX different entities. I can work with many entities in less 6 months time and is the owner of the account I do not know this. 

Who to file dispute I do not know? 
Who asked records I do not know? 
Who to makes payments etc., I do not know?

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 2022-07-12
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2016-02-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I opened a savings account at Chase Bank on XXXX/XXXX/15 with a {$1000.00} cash deposit. This money was the security deposit for a rental property. When I asked Chase Bank why I could n't see this account on my online banking I was told they could n't find my savings account. The banker I spoke with made some phone calls and he was told that the account was closed because there was no activity on the account. However, there was no letter mailed to me advising me of this issue.

Company response to consumer: Closed with monetary relief