BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX and Transunion are violating the LAW in regards to my consumer report. I haven't worked in one year because Consumer Reports violated the law therefore causing me not to obtain credit to get my semi truck leading to me losing out on a $ XXXX deal. This has damaged my life and I am not able to take care of myself or my children properly. I call XXXX everyday and can never get through. When I report it they always say there is a third party involved and that is not true. I am fed up with this. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; These accounts should not be on my credit report at all. 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 and this inquiry : XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include consumer report ( Credit Report ) ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card ( ID, Social Security ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

If these items are not removed from my credit report for any reason, I will hire a consumer lawyer and the consumer reporting agencies will be fined {$1000.00} per 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 2021-11-07
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I completed a refinance on my home and had the original loan paid off by the new lender. XXXX XXXX XXXX, and the servicer, Dovenmuehle Mortgage , Inc. erroneously withdrew a mortgage payment for the amount of {$1500.00} on XX/XX/2021, despite no longer holding the note on the loan. When contacted on the XXXX of XXXX, 2021, I was informed it could take up to two weeks to return the money that was taken from my account in error. This is completely unacceptable and both institutions deserve sanctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: National Enterprise Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company has sent me bills and I explained yo them I have know knowledge of this bill or the services. I asked for mote documentation and never received it, and instead they placed it on my credit score. I am afraid of someone using my identity and getting fraudulent bills because they have no valid documentation or knowledge of the services they sent me a bill for.

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 2018-01-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Inquired about recasting on XX/XX/XXXX Did not hear from company untilXX/XX/XXXXby mail, despite being told someone would call me withing 24 hours. 

Submitted large principal payment onXX/XX/XXXX to signal recast. Was assured paperwork to recast loan would then automatically arrive by XXXX  later the following week (XX/XX/XXXX latest ). Package did not arrive ( and was not sent by XXXX ) until XX/XX/XXXX. 

Recast document contained two legal errors which amounted to entrapment whereby I was forced to acknowledge that interest rate might change could change and payment could change, despite the loan interest rate being fixed and payment being fixed with no escrow. Requested that they change the language. Wells refused and obfuscated. Spoke to independent attorney and was advised that Wells was in error and document should be fixed. Wells essentially said " take it or leave it ''. 

High unethical. Predatory. Incompetent. Bureaucratic. Worst customer experience of all time. If you can avoid Wells Fargo, avoid 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 non-monetary relief
Consumer complaint received 2018-01-30
Company: Regional Management Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Im self employed and I got a large personal loan through XXXX XXXX in XXXX ok. I put my wifes phone number as the office number to my shop because she deals with the office. Well the manager and asst manager in the office, XXXX and XXXX, have both called my wife on multiple occasions and instead of asking my wife to get me a message to give them a call back. They released all my personal information. My wife is not on this loan, she knew about it yes, but I did not give the office permission to discuss the account with my wife other than leaving messages with her to give to me. My wife had called up to the office to make a payment on the loan and the branch manager XXXX told her that she needed to pay more or they would be filing legal on her. She reminded the office she is not on the loan and is not suppose to be discussing details of the account with them because she is not responsible for the loan, and they have called back multiple times. Sent collateral secured letter to my home saying that we had a vehicle secured by this loan, which there is not a vehicle secured loan at all. Ive tried calling XXXX XXXX XXXX   office on multiple occasions and have not received any call back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: EQUIFAX, 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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We refinanced with Citi Mortgage in XXXX. During that process the loan we secured paid off all previous lien holders. My wife and I began the process of refinancing our home to secure a lower interest rate and have our insurance and property included in escrow. Our credit union had agreed to re-finance in XX/XX/XXXX. When the credit union researched the title they found that two previous lien holders remained on our property deed after being paid off in the refinance in XXXX. I contacted Citi in XXXX regarding this problem and they only indicated that I should research and contact both lien holders and get them to release the liens. Unfortunately these were two predatory lenders who had both gone of business via bankruptcy. Our credit union then indicated we would need to involve a closing attorney to help clear up this matter. The attorney was unable to quickly solve this issue and pushed it back to my wife and I to deal with Citi. Calls  were made to Citi starting again in early XX/XX/XXXX. We were told by various staff members that they could not help in the matter and they were not responsible for ensuring that the deed was correct or clean. After speaking with several supervisors over a four week period they were only able to secure a release from one previous lien holder because their assets were secured by a company in current operation. They indicated that Citi would not be responsible for securing the lien release while still acknowledging that Citi engaged with a deed trust company to ensure that all releases were secured at the time of refinancing in XXXX. My wife and I know are unable to own or refinance home because of this significant title issue. We have been paying a mortgage for 16 years on a property that we could never own outright. XXXX XXXX from the Executive Response unit at Citi Mortgage indicated that they did not use an arbitrator and I would need to file my grievance with CFPB.

We can not move with forward with our refinance and may have lost the option secure this loan because of this delay. All loan paperwork will need to be resubmitted for approval only after the deed is clear. I have requested relieve form any payments until we able to refinance because we are not responsible for this delay. I also request that Citi release us from any penalty or fees at payoff because of their failure to do their due diligence at our XXXX closing.

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 2019-09-09
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
A company called Credit Plus made three inquiries on my credit report on three consecutive days. I never gave them permission to do so.

They then supplied my credit scores to a lender but the scores they provided were over 50 points lower than my actual scores.

I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Financial Management Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The above company has been fraudulently harassing and intimidating me and claiming to be a government agency. FMS FINANCIAL SOLUTIONS has placed several bogus claim and report on my credit file. Every attempt to contact FMS FINANCIAL SOLUTIONS has failed as they operate illegally or refuse to answer my calls. FMS FINANCIAL SOLUTIONS is collecting an amount that is illegal or as a result of covid-19 pandemic that caused me not to appear in court. CURRENTLY I have no idea of the amount or circumstances leading to the collection attempt. FMS Financial Solutions keeps running my credit without permissible purpose .The company keeps pulling my credit without my permission. This has been happening since XX/XX/2021. I have submitted several disputes via certified mail and online, asking for documentation of what this ( FMS FINANCIAL SOLUTION ) debt is, dates and how the balance was calculated. I have received nothing. There is no information.

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 2019-09-09
Company: EQUIFAX, INC.
State: NY
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 have tried for the last month to contact Equifax. 
I call the dispute department and answer the questions. It says they can not verify my identity. I tried to contact them online, I answer all questions correct. It tells me to call them. I have mailed the documents, State ID, 1099, copy of bills etc to them. I have never heard from them. I have heard from XXXX and XXXX but I can not get into my account or contact equifax in any way. I answer all questions correctly yet it gives me an error message. I have a new cell phone number and I am trying to correct it on my credit report and on my fraud alert. I have no other means other than to write to them with documents. Yet I can not contact them. I am stopped. THey have someone's number right now and they do not have the correct phone number to contact me for a fraud alert. How do I contact them? Nothing works, not online, not on the phone, not by mail. 
Equifax Information Services LLC. XXXX  XXXX XXXX. XXXX, GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made my monthly student loan payment to navient in the amount of {$120.00}. Navient fraudulently added that my payment was not made. Payment was made onXX/XX/2021 and mailed that day. Money order was provided by the us postal service serial number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: EQUIFAX, 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:
To ordinary persons, a bankruptcy discharge is commonly known as " a court order issued at the end of Chapter XXXX or Chapter XXXX case that relieves a debtor from their obligation to pay a debt. '' Nothing in Bankruptcy Court Case No. XXXX, even remotely suggests a bankruptcy discharge happened in that case. The only response Equifax has provided is " a bankruptcy discharge remains on the credit report for up to ten years '' per the companies policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying on my student loans for over 5 years now and the interest that keeps getting added is higher and higher. Ever since Navient took over, they have taken more than half in interest and my principal payment is a joke. Until XX/XX/XXXX of last year, I made regular XXXX dollar a month payment on XXXX dollars. I did take 2 XXXX courses at XXXX in XX/XX/XXXX, although the interest that accrues daily is ridiculous. I dropped my payment to a " graduated '' repayment plan which has not made a dent in what I owe. I am almost 6 years into repayment and I am so frustrated. I bought a car in XX/XX/XXXX which required me to lower my payments to make my student loan payment each month ( which I HAVE ALWAYS DONE ON TIME ) and my car payment interest is NOTHING to what I am dealing with as far as Navient in " accrued '' interest. This is absolutely unfair to all borrowers who make their monthly payments on time and still have not been able to cut down even a fraction of what they owe. 5 years???? I should be seeing some results by now and each time I have asked about forgivness, I was told by Navient well now since you have dropped your payment, graduated repayment will not allow for forgiveness when you reach 120 successful payments. There is NO WAY I can continue to throw money AT INTEREST that is going nowhere with my principal, am a single mother and working 2 jobs to keep myself afloat. I have a strong work ethic, and I took out the loans to further my education to be able to support myself and my child and since I have made every payment on time I should be seeing some dent in this debt. Also this summer, I took XXXX college courses from a grant funded program only to notice that I was not seeing any payment reminders from Navient. I calIed and was told that my loans were in deferment and I did not need to make another payment until XX/XX/XXXX! I was never informed of this action by the school or by Navient and feel this is just another way to keep the interest building. I feel as though I am being robbed and I need help. I am sick of hearing that well you can take this option but ... ..the interest will keep accruing. Also, I am offended that those who are faithful in making each and every on time payment are basically being left out of the lawsuit. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
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: Account status incorrect

Complaint:
I have disputed this account ( XXXX XXXX ) with the creditor, as well as with the bureaus that are continuing to list this account. This account was closed years ago and Equifax is still continuing to show the account as open on my credit report. Numerous disputes have been filed and the dispute letters return back to me stating the creditor XXXX XXXX verified that this information is accurate. This information in NOT accurate. The account is CLOSED!!! Why are they continuing to list this account on my credit report as an open account. I demand for this account to removed from my credit report immediately or I will sue both Equifax and XXXX XXXX for failure to comply with the FCRA rules. Im tired of this. All this is doing is dragging my credit score down. The proof is clearly herethe account is showing as an open account. 

XXXX is also reporting just recently this month XXXX that the account has a negative status. No more reporting on this account should be taking place. Both you credit bureaus are continuing to report inaccurate information. Please stop immediately!!!! I will sue you for this defaming information. Remove it immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Continental Finance Company, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company continuously call me everyday, 4 times a day, trying to collect a debt that has been discharged in  bankruptcy. I have asked them to stop contacting me and referred them to my lawyer, but they continue to call!

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 2018-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice in 30 days that they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I requested Experian to verify the accuracy of these three accounts on my credit report : 1. COLLECTION - XXXXXXXX ACCT # : XXXX XXXX. LATE PAYMENT - XXXX XXXX - ACCT # : XXXX 3. LATE PAYMENT - XXXX XXXX XXXX - ACCT # : XXXX They came back stating everything was accurate. 

I submitted a reinvestigation and still obtained same results. 

I then pointed out the inaccuraries on the report. All three credit bureaus are showing different information for either the date account was opened, date of last activity or month when payment was missed. I pointed these out to Experian requesting they reinvestigate these inaccuracies. 

I still received same response that everything is accurate. 

I requested to be sent proof and procedure, when/how/and with whom ( name and address ) they conducted these reinvestigations with. I never once received that information from all 3 investigations. So how do I know they really did do their due diligence? That's a violation of the FCRA laws.

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 2018-05-07
Company: BARCLAYS BANK DELAWARE
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Barclay 's Bank Delaware has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 at Transunion who works at the special handling department should be fired from her job for lying to me and violating my rights. I have the right under the FCRA to dispute any information on my credit report deemed fraudulent. I called on XX/XX/19 and she told me that even though there was fraudulent information listed on my report it would be there for 2 years and that is not true. She is stupid and should loose her job or I will sue you and XXXX for a violation of the fair credit reporting act and fair debt collection practices act.

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