BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Selene Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made several attempts to get Selene finance to send me these documents and information.

1. my XX/XX/XXXXmortgage statement. 2. A validation of debt letter. 3.my payment history for the past 12 months. 4.a complete breakdown of my monthly escrow payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 I logged into my Suntrust mobile app and saw an unauthorized transaction to " XXXX '' for the amount of XXXX $ and immediately I contacted Suntrust to have the transaction cancelled. However, they refused to saying that " the transaction have already been approved. I had never heard of " XXXX '' nor have ever used their services, yet I was being charged and the only thing my bank could do was lock my debit card and then file a claim. completely useless. the next day XX/XX/XXXX, I went to a branch to have access back to my account and my online banking, there I requested a new debit card and reset my online password. However, the second I got home and changed my password there already was another transaction to " XXXX '' even though the previous day Suntrust had assured me that any further transaction to and from " XXXX " would have been blocked. this time a transaction of XXXX $ still pending. so I picked up the phone and called my bank again with no help again whatsoever and saying that they can't cancel the transaction even though my account had been locked for the past 24 hours, suntrust again let " XXXX '' withdraw money from my account despite the fact they had locked the account and said that they would block any further transactions from " 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 monetary relief
Consumer complaint received 2020-05-15
Company: Colony Brands, Inc.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear Consumer Financial Credit Protection Bureau ; This is concerning : XXXX XXXX  - XXXX XXXX XXXX., XXXX, Wi. XXXX XXXX Account # XXXX I ordered a robe, when it came in it did not fit. So I packaged it up and returned it. I called XXXX  XXXX they acknowledged they received it. All of a sudden I started receiving so many threatening phone calls, letters I mean 2-3 letters a week, 2-3 threating calls per week. All to receive {$31.00} for shipping? I shipped this product my self. 
I got on XXXX  and filed a dispute they said it was taken off my credit bureau, Yet I'm still receiving threating letters. This is starting to hurt my credit. Yhey are saying I missed 3 payments. This has got to stop! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2020, I sent out dispute letters to have Experian & XXXX  remove multiple errors on my credit file. It has been over 45 days and I still have not gotten a response or any results for the dispute. XXXX  has already corrected the error since I have sent off the letters in the mail. I understand that under the FCRA that Experian & XXXX  have to remove the errors on my credit report since they have not responded with the 30 days allowed by law which has caused me hardship during this Covid 19 pandemic with my finances. I've also have called to resolve this issue with no progress.

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 2020-11-20
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:
I received a credit card offer from XXXX in the mail for my XXXX year old special needs son. I have previously reached out to all three credit bureaus about his age and requested no report or frozen report be established for him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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:
I have sent 3 letters to the credit bureu ( Experian ). In the results of their investigations, they stated in writing that they verified that unverified items are being reported correctly? Who verified these accounts? They 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 they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX  XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Late Payments XXXX XXXX  XXXX XXXX Unverified Late Payments Given that I believe you are acting in bad faith, and have not complied with the federal and state law. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file This is my second Complaint im making here with the cfpb, and Experian responded and they came back to me saying ( '' regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' ) Really? 
Im sending you my id and all my personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1979 attached with my credit report which include the addresses i lived in the past 2 years.

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 2020-07-05
Company: Trident Asset Management, L.L.C.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Trident Asset Management in the amount of {$420.00} showing opened on XXXX has reported on my XXXX  Credit report and I have tried several measure to contact the creditor and the credit bureau to dispute this account as Ive stated that this account is inaccurate and not belonging to me and the only response that I get back is that it is accurate but no proof is shown. They send me copies of delinquencies etc. but no proof showing that this account is accurate nor belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 had my identity stolen. Credit cards and other accounts were opened under my name by someone else. I filed a federal trade commission report ( FTC ) and a police report. They told me to send the reports to the companies that had opened accounts under my name and tell them that it was fraudulent account not opened by me. I did that and I also sent them to the credit bureaus. Most accounts were removed from under my name due to my identity being stolen but one account which is bank of America credit card. I have called them multiple times and sent them the reports that I received from the FTC and the police. I explained the situation to them multiple times. I have done multiple claims with them about this account being fraudulent. They make me wait 60 days from the time I make the claim with the reports. Then they contact me back two months later and say it belongs to me. I tell them every time that I did not authorize anyone to open this account under my name and this is a fraudulent account due to my identity being stolen. They have not followed the laws from the FTC or the police reports. They keep insisting that i have to pay this amount. This is fraudulent banking practice. Bank of America has been sued and lost multiple times in the past due to wrongfully practices and unfortunately I am the latest. I'm sure they are doing the same thing to other people across the country. They should do the right thing and cut there losses. That should do whats right and take care of this problem due to identity theft but they care about money doesn't matter if they get it from an innocent person who had nothing to do with the problem on hand other then the fact of being a victim of identity theft. This company needs to be investigated and punished for their wrong doing by this agency. If they don't take care of this problem and do whats right then I will have to take further action. I hope they do the right thing and get this fraudulent card removed from my name.

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 2017-08-04
Company: Navient Solutions, LLC.
State: IL
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:
The problem is n't really listed. I attended the aforementioned school which made many promise to those who attended during enrollment. This lead to a class action lawsuit filed against the school representing thousands of students spanning 14 states in which the verdict came down against the school. I continued to make student loan payment for a while of over {$350.00} a month even though I didnt receive any of the things that XXXX had promised. I became ever more frustrated as the company know as XXXX XXXX back then ignored my plea to fulfill what the school had promised themselves or find someone else to do so, especially since they still planned to charge me almost triple the price through the terms of repayment for services that I did not receive from the school itself. So I look for help and was contacted by a company called Consumer Protection Council, who present me with their program that was supposed to deal with this issue but also provide legal defense ... which as of earlier this year stopped because of some legal issue against the owner of that company. So that is where it stands right now. The school mislead me and those who attended it which has been established by the class action suit, but am unwilling to fulfill what was agreed upon between the school and I ... but charge a highly inflated price for services that I had not received. So I will virtually be paying for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am in the process of buying a house. I needed to have remarks removed from three accounts. I called on Monday XX/XX/XXXX, I spoke with an XXXX from Equifax in the dispute department. He was very unprofessional. He was having a conversation with his wife in XXXX before he realized that he did not mute the phone. I would ask him questions to make sure he understood what I was requesting and he would have me on mute and would take several seconds before responding to me. I just wanted to make sure that he was opening the correct dispute because it did not seem like he understood. After I got off the phone with him, I call back and spoke to another young lady who assured me that everything was done correctly. Then on Wednesday I received an email from my lender explaining that one remark had been removed on XX/XX/2021 but the other two were still there. I call Equifax back and spoke with a third person who also said that everything had been submitted correctly. Then on Friday I received another email from my lender stating that the remarks were still there and that one of the remarks was now updated to be reinvestigated. I called Equifax back and spoke with a lady name XXXX in customer service. She advised that all the dispute were entered correctly except for one. Previously I had been advised by three other people that the disputes were put in correctly and now I am being told 4 days later that one was in fact put in incorrectly. She closed the incorrect dispute and reopened it correctly. Then she advised that it could still take up to 30 days, which I thought was unfair at this point as it wasn't nothing I did but something that one of their employees did. At this point she said that she could not move it alone any quicker and I asked to speak to a supervisor/ manager. I was then advised that she would not transfer me to her supervisor and that there was nothing no one else in their company could do to help move this alone. I feel like this was very unprofessional as I know that there is an escalation process in place that could move this process alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am a home owner. I had Ocwen mortgage which is now PHH. I was sad to see Mr XXXX go since he knew the horrors of Ocwen. After twelve years of XXXX with Ocwen dealing with botch escrow accounts putting lender place insurance on my home 106 times and never giving me credit for it after it was discovered but taking it out of my loan then saying I was behind, robo calling, on and on I finally being XXXX cant fight any more and I let the home go to foreclosure. I have complained to you before about them. During the redemption period we had our realtor negoitiate a short sale. We have a buyer and Owen approved it. There relationship manager worked on this for 4 months. We have a buyer and a approval by Ocwen. theclosing was delyed because we were waiting for paper and lien removal from IRS. Then by that time PHH took over Ocwen. We were ready to close and they would not honor the short sale stating they dont allow them during the redemption period. They are much worse then Ocwen. There is no reason given. Of course you can never talk to the same person twice. XXXX XXXX is unreachable as are all the higher ups. Our relationship manager XXXX XXXX worked four months on this he is not sure if he is even working there. There is no reason to deny the shortsale we have a buyer. They will not have access to the driveway if this does not go thru as we own that and bought it separately and it does not go with house. In addition XXXX XXXX is part owner because they are removing dioxins from river. Why are these type of companies still in business. I know that they hire lots of former government officials in these areas and top executives go to the government as well from these companies. Yet millions of homeowners lost there homes and no one is doing anything. They dont want these horrible companies to go down. They just want them to get fined to death so they can keep there agencies afloat. Its a crime. 
Please help us. This is not right we have no where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've disputed a fraudulent bankruptcy filing under US BKPT CT CA XXXX CASE # XXXX with Experian several times which Experian has continued to ignore. Experian claims they received this information from a 3rd party Vendor of XXXX XXXX XXXX XXXX XXXX which I've attached to this complaint as proof. 

Upon getting this information from Experian I've reached out to the vendor they claim that provided them this information and started a fraud dispute with XXXX. After XXXX investigated my fraud claim they came back that the listing in its database was fraudulent and they had removed it from all XXXX databases and I've attached that proof to this complaint as well. 

I've even went a step further and reached out to the US Bankruptcy Court in XXXX CA and upon calling the court they don't provide information to third parties nor do they verify any information what so ever which clearly proves that Experian has lied and been negligent in posting unverified information from the original furnisher which is the US Courts.

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 2020-05-15
Company: Experian Information Solutions Inc.
State: NC
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:
THIS IS NOT A REPORT OF IDENTITY THEFT This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX  # XXXX Creditor : XXXX XXXX XXXX  XXXX # XXXX Creditor : XXXX XXXX  # XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  # XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor. 


Removal of inaccurate information and unverified information. Federal Registrar is attached for reference to what is accurate and verified data with integrity.

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