BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I called Navient today trying to get my payments reduced. They only offered me an " interest only '' option of {$160.00} or a standard repayment of {$220.00}. At the end, they also offered to refinance my loan through another company. I've been paying on this loan for YEARS and still have many years to go. I feel as if I am being taken advantage for a loan I've had since XXXX. The payments are too high for me and navient is unwilling to offer affordable options. My original loan is {$10000.00} and my current balance is ~ {$20000.00}. The interest on the loan each month is {$160.00}. I am just a XXXX  XXXX XXXX with a XXXX XXXX XXXX child and husband trying to do the best I can. This company is ruthless, heartless, and selfish.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my primary residence mortgage with XXXX XXXX XXXX in the summer of XXXX. In XX/XX/XXXX, they notified me that they would be transferring the servicing of my mortgage to Loancare ( XXXX ). 

The experience with the transferring of servicing has been horrendous. It is impossible to reach anyone on the phone, and when I send emails to their XXXX, I am receiving back notifications stating that no one is monitoring that email inbox. 

I am not a mortgagor seeking forbearance or deferment. I have liquidity and I will continue making regularly scheduled loan payments. I am demanding better service from the loan servicer and a copy of my most recent mortgage statement so that I may refinance my home mortgage back to the prior lender whose technology and customer service are far superior. 

A glaring error made by the lender and servicer is their inability to even get my social security number correctly entered in their system. The inability of XXXX XXXX XXXX or Loancare to save my SSN correctly and grant me access to view my mortgage statement is absurd and borderline criminal.

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 2023-12-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open Wells Fargo Everyday checking account following this offer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Get a {$300.00} checking bonus* Open an Everyday Checking account** with a minimum opening deposit of {$25.00} from this offer webpage. Complete the qualifying requirements to receive your {$300.00} bonus. This offer is for new checking customers only. 





But my application was declined for no good reasons. 
I have a credit score of around XXXX and living in USA since 2005. Never faced denial for opening bank account.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 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 explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: CA
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:
Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-07-18
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
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 # 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 as Violated my Rights. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX : 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 2022-10-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have submitted a claim with the FDIC for the missing deposit amounts and have provided copies of the statements and returned payments that would have used the credit amounts. JP Morgan Chase failed to credit the deposit amounts to the deposit account # XXXX and to date the total outstanding credits for just XXXX and XXXX are in excess of {$380000.00}. A Notice of Claim has been sent to JP Morgan Chase, a claim made to the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: FL
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 am interested in disputing all incorrect information with Equifax because checking my file alot of information is invalid. it is hurting my file an needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
In accordance with the Fair Credit Reporting act XXXX  for the following accounts : Account # XXXX, Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX KY ), Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ), Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a 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.

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 2023-06-19
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:
I sent a letter on ( XX/XX/XXXX ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been unable to log in to myequifax.com since last year. It was locked without explanation. When I called the first time, they said it was a glitch in the system and should work within days. It never did. I called again this past week XX/XX/XXXX and was told the case will be escalated and was given the case number XXXX XXXX by XXXX. He told me all should be well by this Tuesday XX/XX/XXXX. I called today again and was told that they are still working on it, with no further information except that I would be emailed after they fix it. This has me so stressed out. How can this company be allowed our personal information and then be so incompetent?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: OK
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 AM A VICTIM OF THE EQUIFAX DATA BREACH, IDENTITY THEFT & FRAUD FOR A {$20000.00} LOAN THAT I DID NOT TAKE OUT. ON XX/XX/2023 I SENT EQUIFAX A NOTICE OF DISPUTE FOR THE FRAUDULENT ITEMS AS WELL AS A COPY OF MY PASSPORT, SSN CARD, UTILITY BILL, FTC REPORT, FTC AFFIDAVIT, CREDIT REPORT AND 605b NOTICE PERTAINING TO BLOCKING OF FRAUDLENT INFORMATION. I CALLED ON WEDNESDAY XX/XX/XXXX & SPOKE WITH AN AGENT BY THE NAME OF XXXX TO CONFIRM THEY RECEIVED ALL OF MY DOCUMENTS AND IF THERE IS ANYTHING ELSE THEY NEEDED FROM ME. SHE ADVISED THAT THEY RECEIVED EVERYTHING & THE ACCOUNT AND OTHER INACCURATE INFORMATION WOULD BE REMOVED FROM MY CREDIT REPORT WITHIN 5 DAYS. TODAY, XX/XX/2023, I RECEIVED A NOTICE IN THE MAIL DATED XX/XX/2023 ADVISING ME THAT THEY DID NOT BLOCK THE ACCOUNT DUE TO NOT HAVING ANY OF THE SUPPORTING DOCUMENTATION, ( IE FTC REPORT, IDENTIFICATION AND COPY OF THE ACCOUNT ON MY CREDIT REPORT ). WHEN I CALLED I SPOKE WITH AN AGENT XXXX  NAMED XXXX WHO ADVISED THEY DID RECEIVE THE DOCUMENTS BUT COULD NOT VERIFY MY ADDRESS BECAUSE I REDACTED MY ACCOUNT # BUT THE NAME AND ADDRESS DID MATCH WHAT WAS IN MY CREDIT FILE. SHE SAID THAT I WAS NOT ALLOWED TO REDACT SUCH INFORMATION BASED ON " INTERNAL PROCESSES AND PROCEDURES '' SHE THEN ADVISED THAT THE ACCOUNT WAS {$0.00} & CHARGED OFF AND THEY HAD " VERIFIED '' WITH THE COMPANY THAT THE ACCOUNT WAS MINE. I TOLD HER THAT IS NOT WHAT THE AGENT XXXX THAT I PREVIOUSLY SPOKE WITH ADVISED WHEN I CALLED ON XX/XX/XXXX AND IT SEEMS AS THOUGH THEY ARE BEING DECEPTIVE AND MISLEADING. I ASKED FOR A STATESIDE SUPERVISOR IN WHICH SHE REPLIED " THERE IS NO ONE WHO CAN HELP YOU, OUR HQ IS IN XXXX AND I CAN NOT TRANSFER YOU TO ANYONE THERE '' I THEN ASKED FOR HER TO PROVIDE THE PROOF OF VERIFICATION AND THE METHODS USED. SHE ADVISED THAT SHE COULD NOT DO THAT EITHER. 

THIS IS A STALL TACTIC BY EQUIFAX THAT MANY HAVE EXPERIENCED AND IT HAS CAUSED ME MUCH STRESS AND XXXX. THIS COMPANY NEEDS TO BE HELD RESPONSIBLE FOR THEIR FOREIGN AGENTS AND THERE PROCESSES ON FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: UMPQUA HOLDINGS CORPORATION
State: NV
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:
Per complaint Complaint Number XXXX on file with CFPB for XXXX. XXXX and XXXX are jointly responsible. 

Please reference original complaint and response on file with CFPB.

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 2023-02-10
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Acima Digital Fka Simp is falsely reporting a Auto loan on my profile. this not accurate and a result of identity theft. i do not recognize this account. i ask the company to provide the original Contract with a Verified wet signature and any proof they have that this is my Auto account. as per federal laws if any information is reporting falsely on my credit report they must remove it. this is affecting my finically negatively and i would like it removed immediately or i will Sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this 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 590. 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: ARC Management Group, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ARC has knowingly furnished false credit information to the credit reporting agencies as a means of collecting on this extension of credit through unlawful extortionate means. I have reasonable cause to believe that ARC had prior knowledge that punishing a consumer for the nonpayment of an extension of credit by engaging in unlawful extortionate means was a violation of the RICO act. ARC has not attempted to lawfully validate this alleged debt prior to furnishing this false tradeline to nonaffiliated third parties. I did not and I do not consent to the furnishing of this false tradeline to any credit reporting agencies. ARC is to provide documentary evidence such as the books of accounts or any evidence as described under 15 USC 44 that this in fact a legitimate debt. A statement does not prove anything. If your enterprise sends me a statement, I will take that as your complete disregard for the law and my financial reputation and move to file suit for the intentional infliction of emotional distress I received on behalf of these unlawful extortionate means. 

If ARC can prove this extension of credit is in fact a " debt '' as they claim, I would like to know what legislative branch granted your enterprise the right to collect debt in the United States. If your enterprise does not have prior approval from any legislative branch of government in the United States, your company is knowingly in violation of the false claims act. 

If this account turns out to be an extension of credit, ARC is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. As your enterprise should know that punishing a consumer for the nonpayment of an extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of the consumer with other financial institutions constitutes aggravated identity theft 18 USC 1028A and a violation of the RICO act 18 USC 894.

Although your enterprise may have " lawfully purchased this debt '', you are not exempt from any legal consequences that your actions have caused. In accordance with the FDCPA, you should also be aware that your company is equally, if not more, at fault for engaging in these unlawful extortionate means as there is no innocent purchaser for value. 

This is a demand to cease and desist all illegal collection activity and remove this fraudulently furnished tradeline from my credit report immediately or I will follow up with a complaint with the FTC and my state 's attorney general along with moving to file suit in federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Account number XXXX Closed XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX  Account number XXXX Closed XX/XX/XXXXXXXX  Both accounts listed above I disputed due being reported twice to all 3 credit bureaus with different closing dates and accuracy. I'm demanding that all late payments be removed this mortgage loan is paid off and should reflect current.

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