BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Please be advised that I mailed via USPS XXXX. Letters to " Request to provide a Method of Verification, '' for items not being reported legally on my credit report to Equifax , XXXX. XXXX XXXX, XXXX, GA XXXX on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16. Equifax only responded on XXXX/XXXX/2016 with my initial request for a copy of my credit report on XXXX/XXXX/16. 
Equifax has failed to respond to within 5 business days of my XXXX requests for the results of their investigation nor has Equifax provided me with any additional updates on my requests for their Method of Verification. 
I was diligent in documenting these events, including the lack of Equifax 's response to produce the requested documentation a mandated by federal law. I can provide the CFPB with the copies of the USPS receipts, my unanswered letters to Equifax. 
I am respectfully requesting CFPB to intervene on my behalf to resolve my disputes. I appreciate CFPB request Equifax provide us with a proper and diligent method of verification of their investigation as required by FCRA of my inaccurate items reported on Equifax 's credit reporting. Thank you for your prompt response to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26
Company: Seterus, Inc.
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was with XXXX until 2014, when we were informed that our loan had been sold to a different company, Seterus , Inc . This did not surprise me as our mortgage had been sold several times in the past. However, after an original " welcome packet '' from Seterus, we heard nothing from the new mortgage company. I was able to create an account and log in, and even view how much my monthly payment was and make a payment, but nothing more - no statements, bills, or other communications other than a XXXX form every year. Furthermore, they have never reported any of our ( timely ) payments to the credit agencies. ( XXXX always did. ) I did call Seterus repeatedly to request statements, and each time they apologized and send they would send them immediately ; however, they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I Have a mortgage with OCWEN Financial Corp and my property taxes is included in the payement. I also pay an extra {$20.00} per month to be safe. Every year I receive a bill that my escrow account for taxes is short and I have to send an additional {$270.00} ( more or less ) to make up the arrears. My mortgage payment also goes up despite have a fixed rate. How can that be. I have contacted them numerous times for the accounting and have gotten no help. Last year I misread the statement because the mortgage changes so much and paid my mortgage the normal amount and did n't catch that it had increased by {$200.00}. I paid on time and they cashed the check. OCWEN still reported me to the credit bureau 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently applied for a re-finance loan. Equifax credit report indicated an adverse judgement placed against me by XXXX. I was told ( via phone ) today by Equifax that they completed their investigation and that they would NOT remove this adverse action from my credit record. The Equifax agent told me that during their investigation, XXXX told them I was the responsible party. I contacted XXXX and gave them my Social Security number and they agreed that I AM NOT THE RESPONSIBLE PARTY and that the social security number on the delinquent account is different from mine. However, XXXX ALSO REFUSES to remove the adverse action and said that Equifax is responsible for removing it, as the social security number is not mine. It appears that a family member who has a similar name might be responsible for this, but I AM THE ONE BEING PUNISHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: World Acceptance Corporation
State: IN
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:
World Finance XXXX XXXX 
I have disputed this account because it was opened fraudulently. XXXX is leaving this up to furnisher who is World Finance to decide. I have sent in police reports. And identity theft affidavit. Along with identification. They will not honor this action. 
World finance is saying that original amount was XXXX $ I was unaware of exact amount. The perpetrators obviously got the loan and made a few payments so I wouldnt see it on my credit reports. My identification was stolen. This account is fraudulent. World Finance has asked for a copy of my ID. This has been submitted to XXXX to submit to them several Times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act the accounts listed below have 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. I would like the following accounts removed from my credit report for violating my rights 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  Thank you for your help in this matter.

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 2015-09-30
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
The XXXX mortgages below attached to the title of XXXX XXXX XXXX XXXX, XXXX, md XXXX, were never erased from the title. We have been working to get the title cleared for 3 months with no success. Please help. 
1 XXXX Ocwen $ XXXX opened XX/XX/XXXXWas originally XXXX assigned to gmac XXXX XXXX XXXX XXXX XXXX bank to XXXX bank ( purchased by XXXX XXXX XXXX {$63000.00}. XX/XX/XXXX. We got a response from XXXX XXXX on XXXX. They ca n't find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
# 1 - OCWEN continually wrongly asserts that I am behind in my payments. We entered into a Loan Modification Agreement XX/XX/XXXX. I made all trial payments ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) well ahead of time. I even have mediation documentation signed by an attorney representing OCWEN stating that I had made all trial payments. I have documentation of payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. By all accounts, I have overpaid by XXXX XXXX dollars. Yet, I am receiving notifications of being XXXX months behind in payments. All along, getting charged additional interest, late fees, and possibly reporting bad credit. 

# 2 - OCWEN inexplicably cancelled an automatic payment plan before it even started. On XX/XX/XXXX, I set up automatic payments to begin XX/XX/XXXX ( I have documentation ). When the payment did not come out of my bank account, I called OCWEN on XX/XX/XXXX to see why not. They said that the plan expired XX/XX/XXXX ... even though it never started ... and they had no explanation as to why. It is this type of operation that gets people in trouble with them. So, since my payment did not make it to OCWEN by XX/XX/XXXX, they now have charged me an additional {$19.00} to make the payment over the phone. 

# 3 - I requested that OCWEN perform a research investigation into my account XXXX days ago. They have yet to acknowledge the request ... let alone the results. 

I now believe that this is all intentional and predatory in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
company created an illegal hard inquiry on my Experian credit bureau, admitted no debt owed to agency, refuse to remove. 
illegally obtained my personal identity info from the agency 's client forcing me to pay for a debt I do not owe, to either the agency 's client or the agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: VW Credit
State: MD
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I recently received a letter from Volkswagen stating that my XXXX VW Passat has been recalled because of the XXXX airbag danger. I contacted them to set up an appointment to fix the dangerous airbag and they do not have the necessary parts. Apparently it might take from 3 months to up to a year or more to fix my car. In the interim, I can not drive it due to the possibility of scrapnel entering my brain, or injuring my children if the airbag deploys. 

I have 11 months left on my lease and VW will not release me from it. So I am left paying for a car that I can not drive. I tried to trade it in for a safe car, but the dealership wanted me to pay even more than what I owe. So I ca n't drive it, I ca n't trade it in and if I give it back, I still have to pay for something i ca n't use. 

XXXX and XXXX are at least being classy and giving people loaner cars. VW wo n't supply drivers with loaner cars. VW corporate claims that even though their airbags have been recalled, their cars are safe to drive. I asked them to send me that in writing and they refused. 

Can your agency help people in my position. I am one of many in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Global Lending Services LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I purchased a vehicle back in XXXX and the finance company that financed me was Global Lending Services. I paid {$5000.00} down for my XXXX XXXX, I also purchase a warranty. 3 weeks after purchase I began to have major mechanical failure. I contacted the warranty company and found out Global lending failed to verify that the dealership did everything they were supposed to on their end including making sure payment was made for the warranty. The warranty added XXXX to my loan. 

I was without a car longer that I should have do to a delay in finalizing the warranty. 
The issues arose because I missed almost a month of work. My payments are up to date. 
My first payment was do XX/XX/XXXX I started receiving calls about 2 weeks after my first payment was due. After I started receiving multiple calls during the day during my work hours I requested a cease and desist. I explained that I just returned to work and it was inappropriate for Global lending services to call me multiple times a day almost everyday. The representative I spoke with I asked her to update my address because my permanent resident is in Florida because that is where Im licensed. I travel for work. My address was never updated and the representative did state she noted my account to not contact me by phone and she said I would receive written correspondence via mail from them. 
A few days later I started back receiving calls. I received calls from multiple numbers for Global Lending Services. On today I answered a call the person didnt say anything when I said hello. Then I received another call. The person said her name was XXXX and she needed to speak to me. I asked her to identify who she was and stop telling me her name is XXXX. She then said she was calling about my vehicle and she was from Global Lending Serviced and I told her that their is no reason anyone should be calling me. My account is paid and I kept repeating cease and desist. I told her that I should not be getting calls and its to the point it is harassment. I ended the call. I also wanted to note that even when I called prior to my date to get help with Global lending doing their party and contacting the warranty company and dealership to see what was going on with my warranty. The first thing a representative would say is am I calling to make a payment. I explained my payment wasnt even due yet. My car payments were reflected in the amount that included my warranty. If I had no warranty then no payment. Also, when I try and make payment on my account via online their is always a error message as if they are trying to force me to call them. So my payment are made by mail and or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2015-08-25
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
they said they would give you a loan modification I 'm making the payments already loan modification but I have no signed contract I do not get monthly statements they tried to raise my mortgage rate by XXXX a month they have committed many many infractions according to the law I have read the law it is not hard to find numerous infractions no monthly statement trying to foreclose on my house this is all illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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:
Account shows it was opened on XXXX XXXX its showing as a charge off and its not the company agreed to remove off of my credit report due to fraud XX/XX/2021 and its still on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account shows it was opened on XXXX XXXX its showing as a charge off and its not the company agreed to remove off of my credit report due to fraud XX/XX/2021 and its still on 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 2022-05-19
Company: EQUIFAX, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent letters to the credit bureau advising them this is not my information they have failed to respond to my letters. I have disputes from XXXX  and Transunion. They should update this ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: NY
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. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Remove immediately listed below : XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Remove and XXXX  immediately off my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Paramount GR Holdings, LLC
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I contracted with XXXX XXXX to have solar panels put in. They had this financed through GoodLeap for {$60000.00}. Good leap then automatically set up me a credit union account with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/2022. They even deposited {$5.00} into this account. Routing Number : XXXX. 

I already have 2 credit union and do not need another one. I called to have this account cancelled and was told that I would have to contact Goodleap and that I could not close this account. I have no mortgages or loans with XXXX. 
My Account Number with Goodleap is XXXX By phone : XXXX By email : XXXX By mail : GoodLeap XXXX XXXX XXXX  XXXX, OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: VW Credit
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I received a loan from VW Credit which is a part of XXXX of XXXX for a 2015 XXXX XXXX XXXX. The vehicle is currently out for repossession and with the court preventing VW from selling any of these vehicles they are not willing to negotiate with me on the final balance. My fear is that they will take the car back and that I will still be responsible for paying the entire {$43000.00} loan amount. I have suggested that they take the car back and forgive my loan or wait until I am able to accept the VW buyback and then give them that amount and forgive the loan. I fell that this car was sold to me under deceptive and unfair trade practices by VW and VW Credit ( which is the same company ). I want to know what they will give me for the vehicle since there is no fix for it and they can not sell it.

Company response to consumer: Closed with explanation