BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-24
Company: BBVA FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Compass Bank had the XXXX lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XX/XX/XXXX. XX/XX/XXXX XXXX, XX/XX/XXXX was the last reported date on my credit report revealing I was XXXX days past due. However, it was reporting that I had a monhtly obligation of {$23000.00}. This was reflecting in my monthly DTI at the present time. I disputed this information through Experian in late XX/XX/XXXX XX/XX/XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, Compass Bank eliminated the monthly obligation and updated the status to a charge off as of XX/XX/XXXX XX/XX/XXXX. I believe that Compass Bank exercised neglience in FAIR reporting in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and now I 'm being penalized again, for an event that I was already penalized for. This is duplicative penalization and all my rebuilding appears to be futile as my credit score in one month has dropped significantly, down to a XXXX. This is worse than it ever was during foreclosure proceedings and post-foreclosure reporting. Please help. This is negligence on Compass Bank 's end and I should not have to be burdened again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX I changed insurance companies lowering my homeowners insurance from {$1000.00} per month to {$690.00} per month. I called Carrington and made them aware of the change and so did my XXXX XXXX XXXX. In XXXX XXXX I noticed there was no change in my monthly payment. I concluded that they may need time to make the updates. In XXXX my monthly payment remained same. I called Carringtion and was told that they needed to do an escrow analysis and the adjustment would then be made. 
When I received the analysis my montly payment was increased from {$760.00} to {$780.00} beginning XXXX XXXX. I called and asked how could that be and the representive told me there was a short. When I asked to speak to a supervisor she put me on hold and no one ever came to the telephone. Also I never received a refund for the funds that were in escrow when I switched insurance companies so there should be an excess not a shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I am a victim of online scam, Met a person online, I needed some money to pay my bills, he said he was going to help me.I trusted him and gave him my personal information. He than sent me a check, Told me to deposit it in my bank account. it was for a about XXXX, He said I could keep XXXX for my bills and to send him the rest. well like a desperate fool I did just that, I was so happy and relieved for his help. I had gotten a 3 day notice. He told me I should deposit it through Atm window, at my bank, Which was XXXX XXXX XXXX, I did as told, However I only got XXXX, back I was grateful for that, I went and paid some of my bills. With the XXXX, Well my happiness turned into everything but, When the bank called me and told me they were going to close my account, because the check was fraudulent, The bank said they would red flag me and I would not be able to open a bank account ever again, And that I needed to pay that money back ... Now I was more in dept Than before, I had no Idea. I called the police and made a police report, Submitted to the bank, The police were very helpful, after I explained that I was scammed, I felt like a fool. They reassured me That they would let the bank know that my actions were not intellectual. This happened about 6 months ago, I have not payed them back, I am on a fixed income with social security benefits of XXXX per month, I explained to the bank, They were not hearing. I suffer from XXXX, XXXX, and XXXX, I got XXXX of XXXX and being XXXX, I isolated myself for months still am. The police advised me to apply for life lock. And I did, because I was afraid he would steal my identity too, I had given him all my personal information, address, social security, Bank account information, he had told me he would deposit money in my account, It was all lies, I tried to open a bank account online with BBVA, for their second chance program, In hopes that i would be able to apply for a online loan through XXXX XXXX, And catch up to some of my bills which are still outstanding ... However your program or XXXX gave me a negative credit score. I feel like I take XXXX steps forward, just to be pushed XXXX steps back. How am I suppose to ever get out of this whole, Being a senior minority woman with a XXXX I feel stuck. Please tell what my rights, If any, How I can resolve Bank issue, My charactor is tarnished with all banks, I do n't know what to do .... Please help me get my dignity back, So I may be a part of this society ... Thank you for taking the time to read my story ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have disputed XXXX different XXXX accounts with Equifax asking that the collection company prove the following : Right to collect Verification of debt through a 1st Party on not a 3rd party online system Original promise to pay with Signature Equifax is not actually investigating this they keep sending the same records of previous statements to me accepting those as proof of the verification. This does not prove that they have the legal right to collect or that the account is accurate, or its originality. This is not the proof of verification that is requested. XXXX has already deleted these items because they were not able to verify as the law states that they must. 
Equifax will not fix this and I do not have the funds to hire a lawyer to make them do what they are suppose to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I graduated from XXXX XXXX 2015 Navient was after me the entire time for payments while i was a student im sure the interest was piling up ... .i contacted them sent in payment stubs and gave my info to get on the income driven repayment plan ... .they said it would be {$0.00} but said if anything change let them know ... .they still sent emails to me saying payments were due even though i was suppose to be on this plan ... .now im in default and i was suppose to be on that plan ... .i did what they ask now i cant qualify for any grants because of this default and i want to return to school ... .i thought as long as you were a student you didnt have to make student loan payments ... .what do i do i got a lot of emails from them with all kinds of different payment amounts that were due ... .i tried attaching them but no luck give me an address and i will happily print them out and mail them or fax them in

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am trying to get XXXX to withdraw a tax lien from credit report. The amount was paid in XX/XX/XXXX and put on my credit report in XX/XX/XXXX. The XXXX years should be up soon but they are telling me that I have to wait until XX/XX/XXXX. I should only have to wait XXXX years from when I actually paid it. That is not right. I understand that they do not report to the credit bureaus however they can put in my in my public record that it has been withdrawn. At that time I can dispute it and get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Recently, I disputed item XXXX XXXX with Experian based on a plethora of inaccuracies. Incredibly, Experian has verified that all information being reported is correct. Pursuant to FCRA 611 ( 7 ) I made a request to understand just how Experian was able to verify this incorrect information. Item was sent via XXXX Certified mail label XXXX and was delivered to Experian on XXXX XXXX, 2015. See XXXX. Experian has failed to respond to this request within the required 15 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is reporting that I have not made any payments on a joint account. This issue has been discussed with wells fargo by XXXX XXXX. The issue was supposed to be fixed, but wells fargo has yet to fix my information. It is so bad, XXXX sold the mortgage to bay view loans. XXXX has not notified anyone about it, yet they are already claming that they have had an account for us as of 2008 and that we have not made a payment and that forclosure notices have been sent. No information has been sent and the payment information is wrong. Again, all payments have been made on time through auto pay plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I attempted to use my card for a business purchase on the XXXX of XXXX, 2020 to find that my card declined I though it might be due to the bank suspecting fraud on my account that didnt let it go thru. I called the bank so I can speak to the fraud department they advised me that closed my business card and personal card because I was a risk to the bank. They advised me that that I was risk because I applied for other credit cards recently to get a 0 % percent interest rate to do balance transfer from higher interest cards. I feel like the bank is profiling me because I have never missed any payments with the bank or any of my other credit cards and on top of that I have over {$22000.00} in my checking in saving account with there instatuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I purchased a vehicle in XXXX of 2014 and every credit inquiry is listed twice. All XXXX listed hard inquiries are for the same vehicle purchase.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I HAVE SOMEONE USING MY SOCIAL THEY ARE IN OHIO I TRIED TO GET MY CREDIT REPORT ONLINE AND IT ASKED ME QUESTIONS TO VERIFY MY IDENTITY AND IT HAD XXXX NUMBERS ON THERE AND I LIVE IN XXXXASO I COULDNT GET MY CREDIT REPORT NOW I KNOW THEY AT LEAST HAVE A PHONE IN MY NAME PLEASE I CALLED IN TO GET MY CREDIT REPORT BUT I DONT KNOW IF THEY WILL SEND IT TO ME

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Consumer Financial Protection Bureau, I am very excited to have found you and know that you will be able to help my situation. 

Right now, my husband and I are closing on our house on XX/XX/XXXX ( 14 days from now ). When we obtained an updated copy of my credit report, I noticed that there are 90 day late payments on my XXXX student loans that are being serviced by XXXX. Acct # XXXX. 

Additionally, they are reporting an " Account Status '' as " Currently 90 days late ''. 

Attached is a faxed document from XXXX showing clearly that my account is current and NOT 90 days late. 

My experience in legal matters is extensive in knowledge of the Fair Credit Reporting Act. The Act specifies prohibited practices in the payment reporting guidelines. There can not be a 90 day late payment unless there is also a corresponding 60 day late payment and a 30 day late payment ( credit report attached to this investigation request ). 

I request that Transunion remove the illegal 90 day late payment history for XX/XX/2017 for all XXXX of the XXXX accounts # XXXX. Also, change the " account status '' from currently 90 days late to " Currently Paid or Paying as agreed ''. 

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 2017-10-11
Company: Experian Information Solutions Inc.
State: IL
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:
I assumed a mortgage from a family member, and now the loan is reporting with the old payment history that I have nothing to do with. I assumed this loan in XXXX XXXX and I am only responsible for the payments from XXXX XXXX XXXX. My credit score has dropped drastically.XXXX XXXX should not have reported the negative information of the loan to my credit report. Please help me resolve this matter ( ASAP ). Thank You

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 2016-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have taken an auto loan, but it is being shown as other loan in my credit report. which might impact my final credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX foreclosed on our house XXXX XXXX. XXXX delinquency was XXXX XXXX. It 's been almost eight years since then. All XXXX credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently TransUnion reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of XXXX delinquency. They also say the account goes off record seven years after last activity XXXX. That is not correct. XXXX is unreachable. It bankrupted in XXXX and the phone numberTransUnion gives us does not provide any way to access anyone. Account should have been deleted XXXX XXXX which would have been seven years after the XXXX delinquency of XXXX XXXX. ( see attached payment schedule ) In XXXX XXXX we got letters from XXXX XXXX noting default and XXXX XXXX we got a threatening letter of default. We tried to work things out but XXXX and later XXXX ( who took transfer from from XXXX in XXXX XXXX ) was uncooperative and we lost the house to foreclosure in XXXX. Although XXXX made us given them money during XXXX and some money in XXXX in order to " prevent '' foreclosure, we were always way behind and the whole delinquency process started in XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sometimes ago I contacted your office regarding the Loan Modification Deferment. A check of my statement does not show that the deferment were made. I am entitled to 3 deferments. According to the contract if I pay timely I would get three deferments. The 1st one was done ( See attach  statement XXXX ). The next two were not done until after my complaint in XXXX XXXX. However the XXXX and XXXX XXXX statements does not reflect the deferments even though XXXX XXXX said it was done ( See attached statements for both ). In XXXX, the Principal balance was {$220000.00} ; On the statement for XXXX, the principal balance was {$180000.00} ; Def principal : {$65000.00} ; Defer {$110000.00}. Had Ocwen removed the Def {$110000.00} the monthly payment would have decreased because I would be paying on the XXXXr principal. It is not clear how Ocwen comes up with the Principal if all the deferred were applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was added as an authorized user on my wife 's credit cards. 
Without my permission. I asked to be removed on XXXX/XXXX/2015 and was told my name was removed from all three. She filed for debt reduction XXXX of the cards are still on my credit report. 
I want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called XXXX and asked them if they remembered anyone coming in to check on buying a car on the XXXX of XXXX using my SSN. They could n't answer any of my questions and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax after reporting illegally and wrongly is engaged with lenders, creditors, and subscribers for the specific purpose of enriching their own bottom line, regardless of the accuracy of the reports. 
I requested a investigation letter dated to me XXXX XXXX, XXXX, disputing items on my current credit report. 
1. XXXX XXXX, informed Equifax that the creditor had issued a debt forgiveness form, ignored, stated that they verified the account, the real problem with the statement that they verified the account is the lender who address they list is n't there anymore, and upon my own call, does n't maintain a debt for me any longer. 
2. XXXX XXXX XXXX XXXX, Equifax stated in this letter that they verified this account, this account was sold to XXXX XXXX in XXXX XXXX, and paid directly to them, this account is n't even in Santanders inventory any longer, they lied. 
3, XXXX XXXX XXXX, this account is 12 years old, no activity for 12 years, conversation, payment or other communication, it is as statue past the reporting period but illegally being reaged by the lender, and conspiracy by equifax. In their defense they say it could be seven year from last activity or 10 years from date reported, its been 12 years. 

I am a combat veteran of the United States XXXX, and these illegal reporting is preventing from purchasing my first house, I am also a XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief