BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: TX
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:
I have reached out to all of the Credit agencies And they said everything was accurate but upon my investigation and research theres nothing consistent or accurate. 

In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish 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 2022-08-17
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Ive paid my Navient loans for approx 20 years with no delinquency. I was informed my email and on FSA site that all loans were in forbearance until XX/XX/2022. 
I was noticed by XXXX credit secure that my credit was showing delinquency. Upon investigation Navient submitted a delinquency to XXXX an XXXX without notifying me. This occurred on XX/XX/2022. 
According to The Fair Credit Reporting Act, I feel my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company WF/DILLARDS, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WF/DILLARDS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2023-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 have noticed that the following companies are reporting addresses that are not mine, I have provided a copy of my Drivers license, and these Banks have Account charged my account without sending me a 1099C Under Section 166 of the Internal Revenue Code, All debts or Accounts are charged off. Must send the consumer a 1099C which I have not received from this bank. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX are bank ( as defined in 1.166-2 ( d ) ( 4 ) ( i ) of the Income Tax Regulations ) and is subject to supervision by Federal authorities. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX has elected under 1.166-2 ( d ) ( 3 ) to use the conformity method of accounting to determine when debts owed to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX become worthless bad debts. 
15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports 15 U.S. Code 1681a - ( 2 ) ( A ) ( i ) 15 U.S. Code 1681a - ( 2 ) ( B ) 15 U.S. Code 1681e - ( b )

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 2023-04-15
Company: EQUIFAX, INC.
State: NJ
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove these items in my file : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original XXXX XXXX XXXX XXXX / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: LoanCare, LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Loan care mortgage XXXX I just open a loan in XXXX end of started XX/XX/XXXX so first thing I call in XX/XX/XXXX to make a payment for XXXX in which I did they assured me they would take out a auto pay for XX/XX/XXXX XXXX aa in I pay XXXX XX/XX/XXXX and pay XXXX by the XXXX so they took XXXX plus XXXX. Well they told me the couldn't give me money back atleast 2 weeks. So my bank stop pymnt to get reversed so for XXXX payment they was to take XXXX and to monthly they put it on interest. So I spoke to the company XX/XX/XXXX they said they would take XXXX put in for paymnt and I paid them XXXX that day so XXXX I had paid and I said will pay the next week. Well I cant anybody on the phone since XX/XX/XXXX. I been calling everyday they say they're system down. I can't get anyone to talk to me I checked the website they got everything everything wrong so I can't reach nobody by email so what can I do. I have no way to make a payment now for over 2 weeks but they are going say I am late. I don't know what to do. There phone not working there website down. This is soo upsetting. CAN YOU FIND OUT WHAT IS GOING ON PLEASE HAVE THEM CONTACT ME TO PAY AND DONT REFLECT 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 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Sincerely,

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 2023-11-30
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
The mortgage company who I currently pay was recently hacked. I learned about my mortgage company being hacked through the news, and not by the mortgage company. The mortgage company has yet to inform me about the cyber hack to this day. When I tried making my payment online, I was unable to. The page is currently down. When I tried calling, I was unable to reach a customer service agent. I contacted via phone during their hours of operation. No matter what options I choose, I could not speak to a representative of the mortgage company. I cant make my mortgage payment and fear that it will impact my credit score and worse, my home can be repossessed. This is no fault of my own but of the mortgage company which is solely responsible for the cyber hack. With as much money as mortgage companies, make, they have to do the best job of keeping my information secure. This has made me very angry and I wish I could have paid my house off sooner so I dont have to deal with grimy mortgage companies like the one that has my house on XXXX XXXX which is Loancare. More like loandoesntcare.

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 2023-05-26
Company: Round Up Ventures, L.P.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hi, I have an account with Lendly. Ive been in consistent contact with different agents. The earlier part of XX/XX/2023, which was my last payment, I was told by your agents that Lendly made big changes such the number of days accounts would default, instead of an account defaulting at 65? days, it would 90 days.

I was further advised that my account had not quite approached 65 days. I remitted a payment via phone with agent and was told that my account was back in good standing. 

On XX/XX/2023, I contacted Lendly again to make another payment. At that time, I was advised that my loan had defaulted and sent to a third party collector. I advised the agent that that was not the information I received earlier this month. 

I was placed on extenddd hold with both agents as to research the matter. They were unable to determine the status of my account, so they promised me that a supervisor would look into the matter. It has been 2 days since hearing from anyone regarding my account. 

I wish to at least pay half of my debt and since having XXXXXXXX XXXX XXXX XXXX XXXX, I managed to prevent the account from defaulting l, but disappointed by the inaccurate information provided by your agents as it relates to payments, supposedly changes in default terms etc. 

Can someone please contact me to inform me of my account status as I would like to pay at least half of my remaining loan amount. 

My work schedule is XXXX XXXX XXXX. ( XXXX ), Im available XXXXXXXX XXXX XXXX XXXX. Contact number is XXXX. 

Sent from my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I am with LoanCare for my mortgage and it is stated they have been hacked. Their had not been any communication about this to their customer. Their website hasnt worked since the XX/XX/XXXX or earlier. There is no way to communicate with customer service. I have been trying to make a payment and havent been successful. Today XXXX the website is back up and you have to enter your bank account information again. The website is not accepting the payment.

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 2023-05-26
Company: EQUIFAX, 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 XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions.

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
While checking my personal report, which I acquired fromChexSystems, I noticed an Unknown Checking account made by your company XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/2021. I did not authorized anyone employed by your company to make an inquiry and/or open the account under my information without my consent. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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 2023-12-04
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX has reported 3 accounts in my name which I have never owned. I don't have anything else fraudulent that could indicate identity theft. I have never lived in Texas or had direct family living there. 

I have disputed the information twice with Experian and they say they have verified the validity of the account, I don't see how they can if I have never opened these accounts. Do they just go by the world of the creditor? The creditor should have to prove that I really did open the account. I have never even lived in Texas!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
You guys keep closing this complaint without holding this company accountable, and I will keep making the complaints until they are held accountable. 

Shellpoint has given 5 different stories as to why the mortgage shows past due. Each and every time I have provided proof that payment was made and received by them. They have now sent me a letter that I am {$3000.00} behind on my mortgage. How could that be when I have proof of payment for the past 2 years? Submit every single piece of proof they have asked for? How come Shellpoint refuses to adjust the value of home when it has already been done by the XXXX County Assessor? I was advised that my mortgage payment should actually be LOWER than what I am paying. Not one person within this company can explain to me why the payments are not being processed. HOLD THIS COMPANY ACCOUNTABLE FOR THEIR PREDATORY LENDING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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 2018-06-27
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been making payments to Huntington Bank for a settled line of credit. I have never missed a payment. It has been over 4 years. This has now gone into XXXX XXXX and they are claiming they aren't receiving payments. The treasury department is now handling collections for this debt. However, Huntington Bank keeps accepting payments. 

This has now dropped my credit score from XXXX to XXXX and I am now in the process of getting a mortgage. I can not get mortgage with a XXXX score. 

I call Huntington Bank and they forward me to the Treasury department and Treasury department refers me back to Huntington. Nobody will straighten out their mistake.

Company response to consumer: Closed with explanation