BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: MI
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:
Wrote letter to XXXX XXXX XXXX to remove reporting as it was reported incorrectly and is paid. With no response submitted certified letters to Experian on XX/XX/XXXX and XX/XX/XXXX to remove unverified account from collector as XXXX has submitted information that this information has been removed and all reports to reflect the most accurate details. Returned auto letter to me stating account verified when I have not received any verification details such as a contract with XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX KS 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 2016-05-10
Company: Ocwen Financial Corporation
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a XXXX and a XXXX mortgage with Ocwen Loan Servicing. These mortgages are upside down. I have applied TWICE for a loan modification on interest-only loans with very high interest rates ( The second mortgage interest rate is 12.75 % ) I am unable to make the mortgage payments since I lost my job in XXXX 2015. I am now on a fixed income and attempting to get a loan modification through HAMP ( Tier 1 ) Meanwhile, Ocwen Loan Servicing has received millions of dollars from the U.S. Treasury to help lenders ( taxpayers ) with circumstances such as mine. Yet, Ocwen refuses to follow the HAMP guidelines and will not provide a reasonable explanation for not following the guidelines. There are several XXXX similar complaints with the XXXX against Ocwen, and Ocwen has settled a class-action lawsuit from the CFPB for their fraudulent lending practices yet they seem to continue with their fraudulent practices. 
I am desperately in need of a remedy from Ocwen 's predatory lending practices, and I know that I am not the only borrower who is having problems with this lender ( despite the class-action lawsuit ). Can you please help! Another class-action lawsuit should seriously be considered against this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We recently refinanced our mortgage loan to remove the need for monthly mortgage insurance. During the escrow period, we received XXXX a Good Faith Estimate and a HUDXXXX settlement statement of all closing costs ( neither of which mentioned anything about an XXXX certificate needed with a cost of {$70.00} XXXX. We also never received any communication from our Lender explaining to us about this cost which could also have been paid for outside of escrow. 

After escrow closed, we received a prompt payment check for the balance of funds to be paid to us as a result of the cash out refinancing. It matched the amount from the HUDXXXX settlement statement. 

About XXXX weeks later, we received a surprise late notice of payment from our XXXX for the amount of {$70.00}. I called them to find out what this was about, and I knew it could n't relate to our XXXX dues ; since we have an automatic debit from checking set up to pay for that. They explained that they received the request from a Lender for an XXXX cert and sent me an email with a copy of all the paperwork that was faxed back and forth attached, and that they never received any payment to apply to our XXXX account. 

I then contacted our Lender and left a voicemail with our loan rep 's supervisor ; since neither one could be reached live on the phone. I also forwarded the email from my XXXX with the attached fax documents to them. After being told it would be forwarded to a manager for review, I have not heard anything back for XXXX weeks. 

I feel that this will not be resolved unless your agency gets involved to get an action response from the Lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
NEWREZ-SHELLPOINT mortgage account with the account opening date of XX/XX/XXXX as it appears on the XXXX credit report with the amount remaining {$110000.00} was paid off by our new lender, XXXX XXXX, after refinancing. The NewRez sent us RELEASE OF MORTGAGE letter dated XX/XX/XXXX, attached. 
The account still shows up as open, affecting our credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Finance System of Toledo, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This complaint shall serve as an addendum to previous claim against another collection company " XXXX XXXX XXXX '' for XXXX XXXX XXXX File number XXXX I would like to dispute this debt under the " No Surprise Medical Debt Act '' I went to the XXXX XXXX XXXX XXXXXXXX  at the early onset of XXXX not know what was the matter. I was covered under my XXXX  XXXX XXXX from my previous employer. I was laid off at the time because our office closed down in fear of the spread of XXXX. I was treated and released the same night, It turns out I had XXXX XXXX? they gave me an XXXX and a prescription for XXXX XXXX.. which was {$120.00} dollars by itself. The XXXX was kind and had mercy on me and only gave me XXXX of the XXXX XXXX they prescribed based on the XXXX XXXX XXXX XXXX and charged me {$20.00} bucks. 

NO ONE EVER CONSULTED WITH MY ABOUT MY OPTIONS? 
for treatment, I was in so much pain, I was crawling on the XXXX XXXX, a nurse came in after I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They could have given me the script for a XXXX XXXX and a script for XXXX to allow my to pass it on my own. The bill would have been XXXX of {$400.00} dollars. 

What they did instead was have me sign all these forms while I was in excruciating pain, proceed to give me XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to the tune of {$5000.00} for a XXXX XXXX XXXX. What they did was inhuman. To Surprise me with that bill after care, that should not have cost more than {$500.00} dollars in total. XXXX took total advantage of me. 


This debt was a TOTAL SURPRISE, In that I thought I was covered or I would have never went to the XXXX, in addition to this NO one on the staff ever told me what the charges may be else I would have NEVER submitted to any treatment as a single, laid off woman. 

This kind of Surprise Billing in not only unfair but unkind. Now thanks to the " no Surprise Medical Debt act '' it is now UNLAWFUL. I pay my bills, I never extend myself further than my reach. Because of this debt being reported to the credit bureaus it has negatively impacted my otherwise good credit rating. Please help me by making them remove this debt. Please and thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My {$100000.00} student loan debt was transferred to Navient when  XXXX   XXXX  split. I consolidated my loans for ease of repayment. However, their interest rates were not, thus each individual loan remained with its original interest rate.     I paid off most of my loans by making overpayments, which I allocated to the individual loans in order of highest interest. I have only  XXXX  remaining loans,  XXXX  with a significantly higher interest rate. Navient, however, changed its website so there is no longer an option to allocate overpayments to separate loans. For months after switching to the new website they provided a link to the previous website, so I used that instead to allocate payments to the higher interest loans.     This option no longer exists. In the explanation of loan allocation provided on the website, the company states that if loans are consolidated, payments must be made together and distributed evenly between loans. I believe this is incorrect and illegal. Strangely, in a separate description of online payments, the website claims one can allocate online payments to loans as they wish. Yet, that option is not actually there.     Navient should be providing loan customers the option of allocating extra payments to their loans as desired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Blackhawk Network Holdings Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Last XX/XX/22 I purchased a XXXX gift card at XXXX XXXX Nevada at a local grocery XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nevada in the amount of {$350.00} as a gift to a local resident in XXXX XXXX, the next day XX/XX/22 my intended recipient states trying to use card but only {$2.00} in funds left since somebody in California used the gift card at XXXX store in the amount of {$340.00}, called XXXX gift card customer service and filed a complaint the same day and they created a dispute case in which now theyre saying final resolution decision result is they are not refunding my money from that unauthorized purchase without further detail explanation. Please help. I will greatly appreciate your assistance on this matter. 

Sincerely, XXXX XXXX XXXX no. XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX or XXXX, 2020, I contacted Capital One regarding my Neiman Marcus account. I inquired about the continuation on the COVID-19 program. 
The agent informed me that I was eligible just as I was in XX/XX/2020, I was told that making a payment was optional. I was further advised that the next payment is due in XX/XX/2020. 
Although a payment was optional I made a payment anyway of XXXX. I made the payment on XX/XX/ 2020 via internet. On the same day, I contacted Capital One regarding Neiman Marcus account was behind 29 days. I was sure that my account was enrolled. I encountered the same issue with Saks Fifth with enrollment on the COVID-19 last month. 

On XXXX XXXX, 2020, I received multiple alerts about a negative reporting on my credit file. Capital One reported my Neiman Marcus accounted 30 days late while supposedly enrolled on this program. I strongly believe this is an oversight by agent and Capital One may be experiencing some technicalities with this XXXX suppression/deferment program as the same issue I reported regarding my Saks FifthAvenue account. 

Due to the reasons above, I am asking that the 30 day delinquency for XXXX to be removed from Neiman Marcus account & from all three credit reporting agencies XX/XX/XXXXand XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX CARD Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX DE This was not me. I suspect a man named XXXX XXXX XXXX XXXX XXXX XXXX. 
Birthday XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 has violated my rights 15 U.S.C 1681 Section 602. A States I have the right to privacy. 
Also I have no late payments ever been made but 5 late payments are being reported on TransUnion in the month and year XX/XX/2022, XXXX, XXXX 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.

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 2016-08-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have attempted to dispute through their portal and it will not allow me to dispute inaccuracies on my report. I have evidence to support my claims but they will not allow me to dispute and they refuse to let me in and go through their website. I can only submit it through here so that they may receive my dispute and investigate the inaccuracies.

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 2015-09-10
Company: Southern Management Systems Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My identity was stolen and this debt is a result of that. Someone got an apartment in my name at XXXX and now I am being harassed by a collection company for this inaccurate debt. I have contacted the management company and made them aware of this error and they have do n't nothing to help me resolve this matter. I have even sent them a FRAUD AFFIDAVIT!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
the credit agency XXXX and Transunion are reporting a Federal Tax Lien in XXXX County showing a balance of {$33000.00}. This Tax Lien is included in our Chapter! XXXX bankruptcy and has been discharged. It is not showing in discharged in bankruptcy with a zero balance.

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 2015-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed XXXX negative items on my credit and XXXX of the items I only disputed the late payments on. Instead of investigating the late payments, TransUnion removed the entire account when that was NOT what I had asked for. In addition to that, when I asked for them to reinsert the accounts, my letters were ignored. This is my XXXX letter that i am sending them. Not only that but XXXX account was disputed in error on my end and they removed it. Once I let them know about the error, they did not reinsert the account and refused to respond to my correspondence or reinsert the item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following companies has violated my rights XXXX XXXX XXXX and XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX Personal Loan Companies XX/XX/2021 Experian XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX, personal XX/XX/2021 XXXX XXXX Personal Loans Companies XX/XX/2021 XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15U.S.C. 1681 Section 604A Section 2 : 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 explanation
Consumer complaint received 2016-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My Husband & I Are Disputing An Item On Our Credit Report ... It 's A Judgement That Was Apparently Granted But Neither Of Us Knew About It And Was Never Served. We Request That Item Be Removed From Our Credit Remove. It Was Not Served To Us, We Are Are Unaware Of This, Plus We Are Unaware Of This {$12000.00} Debt.. It Is Fabricated. Please Remove And Contact Us. Thank You Very Much.

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 2016-08-29
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I obtained a mortgage and they insisted my homeowners insurance was to be paid through them by impounding the monthly charge. My policy expired in XXXX 2016, they did not pay it nor inform me that this policy was not being paid. However they have been collected the funds for insurance this entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, 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 to the Fair Credit Report Act Companies/creditors listed below has violated my rights.

15 U.S.C. 1681 section 602 states I the consumer have a right to privacy.

15 U.S.C. 1681 SECTION 602 SECTION A 2 : Also states consumer reporting agency can not furnish a account with out my written instructions. 


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 2022-06-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon trying to buy a home my credit had to be ran and I was made aware that there were bankruptcy reporting on my public records, I disputed the bankruptcy and the address to later find out my identity had been stolen where someone had put a house a wireless service in my name. I then filed a Identity Theft Report with the ( Federal Trade Commission but because Equifax, XXXX, XXXX have given me such a hard time to remove this address and the inaccurate information from my public records. This is harming my credit and prohibiting me from buying my home by reporting inaccurate information. I also contacted the courts and they stated they do not provide information to Credit Bureaus or third party agencies. 
XXXX XXXX Ct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
i cancelled my service and at the time i owed 1 month approx {$80.00} it took XXXX 3 months to disconnect their service. i offered to pay {$80.00} but they would not consider it and said i owed 3 months {$380.00}. i do not intend to pay them their amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am unable to access my credit report because the information I have entered to receive my credit report does not match the information that the credit bureau has for my reported information. I know for sure that my information is correct because I have only ever had one address, and I have my social security card and driver 's license in front of me. I have no debt, assets, have never taken out a loan and have never gained credit, but I am getting calls from multiple debt collection agencies and I am worried I have been the victim of fraud or identity theft, but am unable to affirm or deny my fear because I can not access 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 explanation
Consumer complaint received 2015-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion is listing an account from XXXX XXXX XXXX. I disputed the account as invalid. I owe no money to anyone. Please delete this account ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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