BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX ( {$950.00} ), XXXX ( {$600.00} ), XXXX ( {$0.00} ), XXXX XXXX - XXXX XXXX XXXX ( {$69.00} ), are fraudulent and have no merit or basis on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Experian Information Solutions Inc.
State: IL
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 several inquiries been reported on my credit report that I did not authorize from my understanding you have to be given a written authorization for your credit to be pulled of which I did not give any company to pull my credit report of which at the time I had a credit freeze on my credit .Under the fair credit reporting act usc1681g I have the right to demand that you disclose to me all of the documents that you have recorded ans reatained in your file at the time of the request concerning the inquiries that are reporting in my credit report please do n't respond to my request by saying that these inquiries have been verified .Send me copies of the documents that you have in your file that were used to verify them if you do not have any documentation in your file to verify the accuracy of these disputed inquiries then please delete them immediately.Section 6115 a of the fcra you are required to promptly DELETE information which can not be verified the law is clear to civil liability and the remedies available to me for negligent compliance Section 617 if you fail to comply with this federal law I am a litigious consumer and full y intend on pursuing ligation in this matter to enforce my rights under the FCRA

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 2018-01-23
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I borrowed money starting 15 or more years ago to attend the XXXX College of XXXX XXXX and transferred to XXXX College to pursue a XXXX XXXX. I became unemployed in XX/XX/XXXX resumed the effort to finish my XXXX XXXX and that is when I borrowed the funds to finish the degree. I was XXXX years old and unemployed and felt this was my best opportunity to keep myself employed and able to pay my bills. I graduated in XX/XX/XXXX but remained working temporary jobs and or permanent jobs as an XXXX XXXX and also experienced layoffs and down sizing making it very difficult to pay the student loan bills. I was offered deferments and forbearances that only increased the loan debt to an incredibly high loan amount that I find impossible to pay. I was never offered an affordable payment until the loan balance more than tripled and now Navient is saying I have to pay 10 % of my earnings. At age XXXX this has caused a financial burden, reputational harm and much stress and XXXX of how this is going to affect the rest of my life. I in good faith went to school with the promise and chance for a better opportunities for employment and not rely on state aid. I was never offered an income based payment option and have attached my social security wages from my entire working history to show I really have not had sufficient income to pay these loans. I still live paycheck to paycheck and will never get this debt paid in my lifetime. I believe this to be predatory lending, unfair lending practice and this loan structure has caused intentional harm to my livelihood and any future financial security. I need assistance in having this loan reduced to the original loan amount and credit for the years I have tried to pay this off. This financial burden has been nothing but a nightmare. I went to school part time for over 13 years while working full time part time and many times two jobs and keeping up with class work. The financial aid at the school processed all the paperwork with the FAFSA form and each year even the bill for the minimum of six credits was several thousand dollars. I need assistance with this as I am overwhelmed with high payments and financial consequences for the rest of my life. I have attached what I paid last year which is about {$2000.00} and yet these loans are not in good standing and adversely affect my credit score once again. All of my credit is in good standing except this and I need assistance in getting this loan amount to one that is within the original amount and therefore affordable. I need help as these are not affordable on my week to week paycheck. Please provide me with some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Navient Solutions, LLC.
State: AZ
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:
I have requested a copy of an accurate balance and original promissory note with my signature. I have only received letters stating this loan is protected by the government. I have to receive the information I requested. It has been 17 years since I had a loan. I would like an accurate account of what I owe and the original promissory note stating what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX Mail # : XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: General Motors Financial Company, Inc.
State: HI
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:
I did not apply to the following places for a vehicle. I have contacted each one and they said they can't do anything about it, and they blow me off like it's my problem, when they are the ones who looked up my credit. But it shows a negative on my credit report because all these finance companies checked my credit report. I don't live in XXXX. The only two states I have lived in for the last 30 years is XXXX  and XXXX XXXX. I have not looked for a car finance company at all. If I did, I would go straight to XXXX, where I know I can get it financed. 

XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I was involved in a car accident. Someone rear ended my car and I was badly injured. As a result, I was under physical therapy for several months and I needed to get XXXX XXXX. The person who was at fault in the accident had minimal insurance coverage and the amount of my XXXX was {$85.00}, XXXX which exceeded the {$15000.00} coverage that the party at fault had and also the equal amount that was paid by my insurance company. My XXXX attempted to pay a partial amount of the bill however XXXX XXXX XXXX and XXXX which performed the XXXX refused to take this amount. Now they are trying to sue me. On XX/XX/XXXX I received a summons stating that XXXX XXXX XXXX and XXXX  wants to take me to court. I don't feel sufficiently better after the XXXX and I am still in a lot of pain. I want them to stop harassing me.

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 2022-08-13
Company: Experian Information Solutions Inc.
State: MN
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:
This all occurred in XXXX 2022. I was a victim of identity fraud and have been trying to dispute information on my credit report with Experian, including a fraudulent bank account and personal address. I went through the correct process to dispute the information, and recently received my results. Experian correctly removed the bank account from my credit report, however did not remove the fraudulent address. This continues to put me at risk as someone would be able to leverage that address to open other accounts. There were several instances with Experian where I tried to login to my Experian account to re-dispute the claim, and each team the site told me my password was incorrect. I would change my password through their standard procedures, try to login again, and it would tell me my password was incorrect. I even tried setting my password as the same password I had previously used, and the system told me I could not use a password I had used before, which had previously told me the password is incorrect. I have tried several times to get on the phone with a live person to fix the issue to no avail. Their systems are incompetent and there is no way to rectify the issues by talking with a live person.

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 2018-04-21
Company: Qualey Law Group, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Garnishment Shows 3 different accounts for the same garnishment with the same court case No. XXXX Writ of garnishment : Doc ID : XXXX shows paid {$4100.00} Doc ID : XXXX Shows paid {$2700.00} Doc ID : XXXX Shows paid {$120.00} same court case NO. XXXX on all 3 lien numbers. 

XXXX XXXX XXXX stated by letter he was not doing the case and it was sent over to Qualey law Group as stated by XXXX XXXX that the correction has been done and also stated by reply back from CFPB that its been updated in the courts and there has been no proof or court updates as I call the courts for updated information. there is also different amounts and not the correct amount showing for garnishment case XXXX I have a print out from XXXX showing XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  {$120.00} for a total been paid of {$7100.00} There was error on XXXX XXXX XXXX has court credit giving for {$3000.00} in which the print out from XXXX XXXX XXXX shows {$3000.00} in which there was an error of {$43.00} was in error by XXXX XXXX XXXX There need to be correct amounts and not showing by XXXX XXXX as if I just started paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
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: Information belongs to someone else

Complaint:
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with The Bureaus ( {$950.00} ), XXXX ( {$600.00} ), XXXX/XXXX ( {$0.00} ), XXXX XXXX - XXXX XXXX XXXX ( {$69.00} ), are fraudulent and have no merit or basis on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Mr. Cooper mortgage company has serviced the mortgage on my primary residence for many years. In XXXX of 2021 I applied with Mr. Cooper to refinance my existing mortgage. I paid them an appraisal fee of {$490.00} to proceed with the approved application. No apparaidal was ever completed and Mr. Cooper ended declining the mortgage application because ( I think ) I did not realize there was a judgement/lien tied to the property and failed to disclose that information in my application. They never refunded the appraisal fee they deducted from my bank account. 

I applied with Mr. Cooper again in XXXX when I realized what the likely problem was with my initial application. Again, my application was approved and I paid another appraisal fee of {$490.00} assuming I would be refunded for the prior one in time. XXXX XXXX never moved this mortgage to closing for some reason. They did not communicate anything other than their appraiser insisted my primary home was used as a commercial business and refused to conduct the appraisal I paid for. It is not used as commercial. It is my home. I provided a detailed statement to that effect at the request of the loan processor ( XXXX XXXX ). The last email I received from XXXX XXXX was an auto replay message that he was out of the office for an extended period of time. I never heard from Mr. Cooper again about this mortgage application or my appraisal, or the second appraisal fee I paid them. 

I have called, emailed, and written letters to Mr. Cooper trying to get the appraisal fees refunded, but no one replies or can provide me with information on getting these funds back. No one there seems to care or be concerned about the appraisal fees much less why they did not follow lending rules/regs by letting me know why my second loan was never closed. I never received a denial letter or any sort of communication after it appears that something happened with this XXXX XXXX fellow that was processing my loan. 

As a fairly informed and educated consumer, it is very distressing to me that a company such as Mr. Cooper is allowed to do this to consumers. Please help!!!! 

Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent a goodwill request. The request outlined the details on my current loan status. I have completely paid off one of the loans and the trade line is still in my report. 

The other loan I have 4 remaining payments on the settlement given to me. Which I plan to pay off. 

I have yet to get a resolution. 


The company has gotten their money the loans are 10 years old. I do n't see the continued need for the ( Charge off paid in settlement ) status to remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Experian Information Solutions Inc.
State: LA
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:
After calling XXXX, XXXX, and Experian on many different occasions to resolve my childsupport being reported as owed and it is not owed they are still violationing my rights per the FCRA by reporting the false information. They are also hurting my chances of obtaining any credit by falsely reporting incorrect information. I sent faxed XXXX and equifax the letter my case worker sent me stating that I do not owe anything and I also uploaded it to Experian but once calling Experian they said they didnt receive it. XXXX and XXXX are saying they cant delete it with the letter which is proof that I do not owe anything in childsupport. I have paid on time for several months and I became current in XXXX of 2017. Experian told me to get in touch with my case worker again to see if she did her part. She insured me that she has done everything she needed to do and its the credit bureaus that havent done their part. By reporting this childsupport not only are they violating the FCRA rules and regulations but they are also hurting my character. I have tried calling and calling the credit bureaus to resolve this promblem on numerous of occasions and they have yet to comply with the FCRA rules. The credit bureaus can not continue to report inaccurate information on my credit file. The law is very clear as to the civil liability and the remedy available to me, FCRA 616 & 617.

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 2021-12-06
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I need help please! 
My loan was transferred to a new servicer ( XXXX XXXX XXXX ) as of XX/XX/2021. 

But the previous servicer Dovenmuehle Mortgage , Inc. went into my Bank account and took {$560.00} on XX/XX/XXXX without my consent. They were not servicing my loan anymore but yet they took money causing me bank overdraft fees. 

I have contacted Dovenmuehle Mortgage , Inc. multiple times asking them where's my money and nobody have a clear answer. 
They keep saying that they already sent everything over to the new servicer XXXX XXXX XXXX but they don't have any records of any money from Dovenmuehle Mortgage , Inc . 
They took money illegally from my bank account and I want it back! This is ridiculous and beyond frustrating. I need help please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX, XXXX, and Experian is refusing to remove bankruptcy case number XXXX from my credit report, even though XXXX the reporting credit agency has deleted the information from my consumer report stating they were unable to verify the accuracy of the bankruptcy.

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 2018-01-23
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX, Experian, and XXXX are reporting an unverifiable bankruptcy on my credit report in the amount of {$0.00}. Every time I call XXXX, Experian, and XXXX to dispute the bankruptcy they always tell me that they verified it through the courts. I went to the louisiana bankruptcy courts to see if that was true and they insured me that it was not true. The louisiana bankruptcy clerk informed me that the courts do not verify nor validate any information to the credit bureaus. She also prepared a letter to send out to me so I could have it in writing. When I called XXXX and Experian to inform them about the incorrect information they told me. They said they verified it through pacer so I emailed pacer to see if they verified anything and pacer also respond to my email stating that they do not verify anything, I will attach the email to this complaint. After getting the email and calling the XXXX to follow up with the bankruptcy dispute the guy who answered my phone call was foreign so I couldnt understand him so I asked for the u.s special handling department. A supervisor in the u.s department took my call and told me she couldnt tell me exactly how it was verified. I informed her that she was violating the FCRA laws by keeping that information from me. She then told me they may have verified it through XXXX so after talking to her I emailed XXXX to ask them how do they verify bankruptcies. They said they verified them through the courts, i then emailed XXXX back and informed them that I had spoken to the courts and they do not verify bankruptcies. When XXXX emailed me back they did not respond directly to the message they had me to call them. Upon calling XXXX and explaining why I got in touch with them they told me that was incorrect information and that they do not have the right to verify bankruptcies. XXXX, XXXX, and Experian have constantly lied to me about the bankruptcies and gave me false information about verifying the unverifiable bankruptcy. XXXX, XXXX, and Experian are in direct violations of the fcra. XXXX, XXXX, and Experian is reporting the unverifiable bankruptcy through hearsay of some sort and that is also a violation. Experian, XXXX and XXXX can not continue to violate my rights.

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 2021-12-04
Company: EQUIFAX, INC.
State: KY
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:
XXXX, Equifax, and XXXX is refusing to remove bankruptcy case number XXXX from my credit report, even though XXXX the reporting credit agency has deleted the information from my consumer report stating they were unable to verify the accuracy of the bankruptcy.

Company response to consumer: Closed with explanation