BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-31
Company: S.B.S. Trust Deed Network
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
A small mortgage company offered a {$23000.00} HELOC on my home in XXXX. I signed documents for {$23000.00}, but only {$7000.00} was received. After making approximately 3-4 payments, the mortgage company literally disappeared and stopped sending me statements. Now, fast forwarding to XXXX, I find out that the loan was actually transferred or " sold '' about 5 times since XXXX and the new investor is foreclosing on my home with a new balance of {$220000.00}! 

I've consulted with a Real Estate Broker who says he's never seen anything like this. 
The investment company is impossible to contact and does not return any of my phone calls. This is utterly devastating. How can lien holder do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im in the process of trying to buy my first home. Ive been disputing these accounts since XX/XX/XXXX and been getting a run around with the creditors and credit reporting agencies. These derogatory accounts have made a huge negative mark on my character.and credit worthiness which is affecting me tremendously in my efforts in purchasing a home. I've identified several discrepancies that violated my rights.Please help me rectify this matter. 

According to 15 USC section 1681 ( i ) These accounts are Untrue, Un-verified, Incorrect, Incomplete must be removed.

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 


XXXX XXXXXXXX Account # XXXXXXXX XXXX. {$3000.00} is not mine. Ive reported this account as fraud with the FTC and all credit agencies. Ive requested validation of debt. They responded to me on XX/XX/XXXX and XX/XX/XXXX. They could not provide evidence because the application was taken over the phone.Ive attached letters.. 

XXXX XXXX Account # XXXX XXXX. {$3900.00}. I also requested validation of debt from XXXX. I never received it! They responded on XX/XX/XXXX using a stall tactic letter. A week. I received a letter from the collection agency XXXX. I've found inaccuracies that don't match across reporting agencies : dates open, monthly payment {$0.00}, term 72, past due amount should be {$0.00} on a chargeoff/collection, dates last active. I did not give written consent.Ive attached letters XXXX XXXX Account # XXXX - ( Late Payment ) XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Ive disputed on XXXXUSC 1681 Section 602 states I have the right to privacy.15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

XXXX Account # XXXX ( Late Payment ) XX/XX/XXXX, XXXX XXXX.USC 1681 Section 602 states I have the right to privacy.15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

Ive also requested to have address removed several times XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX TX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: PlusFour, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I noticed that I had a Collection account in my XXXX Credit Report. The account was From PLUSFOUR INC. and the debt originated at XXXX XXXX XXXX ( both companies are in Nevada ) I contacted PLUSFOUR right away and they told me that the account that started with the numbers XXXX belongs to a person who the last name is XXXX, name that I had only during XX/XX/XXXX until XX/XX/XXXX because I was married to XXXX XXXX XXXX and we lived in California. Since XX/XX/XXXX my name has been XXXX XXXX XXXX XXXX, and the birth date was different than mine. 

I have been living at XXXX XXXX XXXX XXXX, FL XXXX since XX/XX/XXXX ( I have lived in this address before ). I have NOT lived in XXXX XXXX, NV since the XX/XX/XXXX and my name was what is today XXXX XXXX XXXX XXXX. This debt account was opened on XX/XX/XXXX and is most definitely not mine! 

PLUSFOUR INC refuses to call XXXX to clear that up. 

I called XXXX and they told me that they were going to dispute but without a call from PLUSFOUR it may be difficult.

I called PLUSFLOR INC and XXXX enumerable times and all I could do was to start a dispute on line and on over the telephone with XXXX and they told me that may take a month or a long time. I am also sending a certified letter to XXXX to dispute it over them mail also to reinforce the need for them to fix my credit report. 

I file a report with IdentityTheft.gov reference # XXXX and filed a police report with the XXXX XXXX Police Department with XXXX XXXX XXXX XXXX case number XXXX. 

I don't know what to do any more! I became handicapped and need to buy a car with a ramp to put my scooter and my fico score that was ALWAYS XXXX + now is XXXX ( at least with XXXX XXXX. 

Please help me! I NEVER paid a bill later in my entire life!

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 2023-06-15
Company: ZIONS BANCORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX a joint account between myself, my mother and sister was opened with NSB. Without our consent or knowledge they allowed us to be removed from the account and close the account. This was done without our mother having the mental capacity to understand what was happening. She was unaware that removing us meant we no longer had access or rights to the account ( s ) in question. She does not have any memory of doing this. 
Furthermore when we approached the bank in late XXXX with a valid POA to administer and manage our mothers accounts they rejected it with no reason nor explication. 
I would like to reiterate that my mother at the time this account was closed was not of sound mind nor did she have any understanding of what was happening or why it was happening. She has no recollection of making these changes and removing us from these accounts and closing them.

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 2023-05-27
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$7400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Reporting a credit card account not confirmed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting balance effecting credit scorez ; however, the loans are in deferment status and should report a XXXX balance negative impacting the student credit score. I am currenlty a student and all student loans are deferred for 12 months or more. My mortgage application date will conflict with my current credit score harmimg my goal to buy a home fairly. The deferment isn't due to financial hardship, lenders may not include the payment in the DTI calculation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: LA
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 

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

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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing ay of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedated the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$930.00}XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXXXXXX Balance : {$680.00}, XXXX  XXXX Balance : {$14000.00}, XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXXXXXX XXXX Balance : {$490.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have notified Aldous and Associates numerous times that the debt has been paid for. I have asked them to contact the original creditor to obtain my paid balance info. Aldous & Associates refuses to contact the original creditor and requests that I send them a copy of the invoice.

At this time if Aldous refuses to contact the original creditor I will file a suit against the company and notify the Texas Attorney general for attempting to collect a false debt that has been paid.

Aldous & Associates has been notified that the debt is paid verbally and through written communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in EQUIFAX. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have had student loans for over 20 years and they have been sold over and over to servicers. I dealt with Navient for many years, with much difficulty getting a clear concise answer. I was told and did apply for forbearance several times until i could no longer do it. I did go into default at one point. My loans were once again sold and now i am trying to pay via XXXX. 

I feel i would have been in a better position and not had a default on my record if i had better guidance. I am told that i should be able to be part of the current litigation against navient but i am not sure what to do next. 

Also, with the length of time i have been paying school loans am i not entitled to some sort of forgivness??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Dovenmuehle Mortgage, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home loan has been with XXXX XXXX XXXX for a few years. In XXXX of this year, servicing was transferred to Dovenmuehle Mortgage , Inc ( MDI ). However, XXXX XXXX XXXX claimed that we missed a payment so the loan was transferred over as being 1 month late. I have several letters and e-mails from XXXX XXXX XXXX showing where they made the mistake. However, MDI have yet to make the correction in their records and continue to call and send letters threatening collection. I have a letter included in this complaint from the VP, Senior Compliance Officer XXXX XXXX from XXXX XXXX XXXX acknowledging the error and explaining how it is being corrected. I was told that I could expect MDI 's systems to reflect the corrections by XX/XX/XXXX. XX/XX/XXXX has come and gone and the only thing I have is a note from my in laws saying that the collections department of MDI called them to ask for the overdue payment. 

This is a follow on from the complaint I filed about the XXXX XXXX XXXX : Complaint filed with the CFPB ( Ref No. XXXX ) which detailed the mistakes XXXX XXXX XXXX made in applying my payments and the lack of ability of their customer service team, save XXXX XXXX who has been great, to make the corrections since the issue was first noticed back in late XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Patient Accounting Service Center
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I received a bill from XXXX XXXX in the amount of {$35.00}. This was in error. I was owed a refund of {$35.00} from XXXX failure to correctly bill my insurance in XX/XX/XXXX. XXXX failed to include the correct authorization in their submission to my insurance carrier. XXXX confirmed their mistake in a recorded phone call with XXXX XXXX XXXX representative XXXX XXXX, XXXX Representative XXXX, and myself on XX/XX/XXXX and stated that they would resubmit the charge with the correct authorization number and refund the {$35.00} to me within 4 weeks. However, XXXX failed yet again to submit the charge to XXXX XXXX XXXX. I attempted to follow up with XXXX in a phone call in mid-XXXX and was repeatedly hung up on by XXXX customer service. I contacted my credit card company to dispute the {$35.00} charge that XXXX should have already refunded by that time, and on XX/XX/XXXX my credit card company resolved the dispute after giving XXXX the opportunity to challenge the chargeback. 

On XX/XX/XXXX XXXX XXXX XXXX Quality Specialist XXXX XXXX acknowledged in an email to me, XXXX error and confirmed that I no longer owed anything to XXXX and that my account balance would be recalled from collections with no impact to my credit and no balance due. 

On XX/XX/XXXX ARstrat , LLC sent me a collection notice for the erroneous {$35.00} charge that XXXX has previously recalled from collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax had a data breach and information was given to unknown parties. The breach occurred in XXXX. As a reporting company it should hold maintain better security for all data stored on its servers. My credit has been greatly affected by this. I have not been able to purchase a home or automobile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase Bank mailed my debit card to an address I never gave, where it was immediately activated and used by someone who withdrew all the money in my checking and savings accounts. On XX/XX/23, I received a call from XXXX. The man said his name was XXXX XXXX and he was with Chase Bank Fraud Protection. He said he tried to call me on their main line of XXXX and asked if the number had been blocked in my phone. He stated there was an alert on my debit card and asked if I had bought concert tickets in XXXXXXXX XXXX When I told him I did not, he reported that he would close my debit card and mail me a new one. He asked my mailing address ( I confirmed that it is in XXXX XXXX XXXX ), and he told me I would receive a new debit card. He said if I wanted it delivered the next day ( XX/XX/23 ), they would waive the expedited delivery fee. 

Today ( XX/XX/23 ), I saw on my account that on XX/XX/23, someone activated the new debit card and made XXXX fraudulent withdrawals and XXXX fraudulent debit transactions from my checking account and XXXX fraudulent withdrawals from my savings account, all of which were in XXXX, XXXX. When I called XXXX at XXXX, they closed the debit card again and will refund the fraudulent charges. They confirmed that a XXXX XXXX XXXX representative had indeed mailed the new card on XX/XX/23 to a different address from the XXXX in my account, which must have been a clerical error, but could not account for why it was mailed to a totally different address where it was immediately used for fraudulent purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items 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 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed dispute in regards to the incorrect items on my credit report. it has ben well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation