BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX Mortgage Amount : {$53000.00} XXXX Personal Credit Line : {$60000.00} When spouses divorce, and the one spouse is supposed to refinance, and deliberately fails to do so, the mortgage lenders have the discretion to honor the divorce decree or not by removing the non-responsible party from the Mortgage & Home Personal Credit line. 

However, if they choose not to, they don't offer any alternative solutions to the spouse who, by a legal divorce decree, isn't responsible for the loan, which also states that states no party is permitted to continue extending credit to either party using both names. Credit can only continue being extending in their own names. 

They merely suggest court and contempt of court charges which actually leaves little to no recourse for the divorced spouse to actually force a resolution, as sending someone to jail for contempt doesn't actually solve the problem, particularly when the other parties intention is solely to harm the other party, in any and all ways that they can. 

Not only is this financial abuse from the ex-partner, the mortgage company is facilitating it, when they dont follow their own procedures by foreclosing on the property when this ex-partner continues to not pay. 

While obviously NOT ideal, a foreclosure would at least provide the non-responsible spouse an actual end to the financial abuse that the bank is facilitating by failing to honor the divorce decree. 

Mortgage companies should be required to stipulate who is responsible for the mortgage & any Home Credit lInes in event of divorce and remove the other party from the loan after a divorce at the time of the signing. They should allow for amendments to be made if something changes too.

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 2020-10-29
Company: V and H Portfolio
State: LA
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 a loan with XXXX  XXXX XXXX  and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX  XXXX XXXX  and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Maximus Education, LLC dba Aidvantage
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:
XX/XX/2023 I received a Notice that my Federal Student Loans would be transferred to XXXX after being approved for Public Service Loan Forgiveness. 

XX/XX/2023 My Department of Education/Aidvantage Student Loan Status changed to : Paid in Full with a {$0.00} balance. 


XX/XX/2023 I notified XXXX about the new PSLF status. 


XX/XX/2023 Department of ED/Advantage reported to Credit Bureau to delete the entire account from credit history which eliminated all positive standing/payments made prior. This also eliminated any credit showing {$20000.00} being paid in full, resulting in a lower credit score. 

XX/XX/XXXX I contacted XXXX about the deleted account. XXXX was able to inform me that when they contacted Ed/Aidvantage to verify the PSLF status, they requested to just delete the entire ED Aidvantage account instead of a paid off status. XXXX also stated they would not be able to fix this error. I would have to contact the Loan Servicer and request they resubmit an accurate report. 


XX/XX/2023 Contacted ED/Aidvantage and requested they resubmit an accurate report showing the Loan was either transferred or paid in full. I was told that there was never any request for the loan to be deleted and there was nothing they could do. They also refused to send me the report they submitted to credit bureau or any of the request they had received from XXXX on the dates listed. 

As of today, XX/XX/2023 I have not been able to get anyone to help fix the problem despite multiple attempts in writing. My credit score remains lower than needed preventing me from refinance or getting a new the mortgage loan that I had just applied for when all of this information was discovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: EQUIFAX, INC.
State: MI
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 contacted XXXX again as well as opened disputes with XXXX and equifax ( been multiple times XXXX to inquire about a dispute with an item on my credit report. I have previously disputed this item, and multiple times it has come back as verified and accurate without a deep investigation or any explanation as to what was given as documentation to verify the debt listing is correct. On the call yesterday with a representative XXXX/XXXX/XXXX I asked the representative to reopen another dispute into a XXXX XXXX listing as it is not reporting a correct listing and I asked her what is the dispute process. She stated that agency will ask the creditor if the debt is accurate and as long as they say/certify that the listing is right then they will leave the listing. The creditor has to provide them with no documentation showing proof. FCRA states that lawfully XXXX, Equifax and XXXX must provide the method of verification as well as who the furnisher was who verified the information. Im having this issue not only with the XXXX XXXX account but also with some inquiries on my report. I 'm requesting a through investigation of these items and when complete I would like method of verification and who the furnishers were so that I can make direct contact. If these things can not be provided I request that they be removed from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern, I notified the company in writing of my correct address and provided documentation on more than one occasion. XX/XX/XXXX, and then again in XX/XX/XXXX, as recent as XX/XX/XXXX. This is unacceptable and outright neglects the information I provided. I provided proof of address and Identification verifying my correct address and still the same result. See attached below : a copy of my identification with my valid address, a letter sent back in XXXX of XXXX, and an attachment of my current information on my consumer report. The home address is correct but the town is wrong and it clearly shows on my ID.

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 2020-10-23
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
Huntington Mortgage Amount : {$53000.00} Huntington Personal Credit Line : {$60000.00} When spouses divorce, and the one spouse is supposed to refinance, and deliberately fails to do so, the mortgage lenders have the discretion to honor the divorce decree or not by removing the non-responsible party from the Mortgage & Home Personal Credit line.

However, if they choose not to, they don't offer any alternative solutions to the spouse who, by a legal divorce decree, isn't responsible for the loan, which also states that states no party is permitted to continue extending credit to either party using both names. Credit can only continue being extending in their own names. 

They merely suggest court and contempt of court charges which actually leaves little to no recourse for the divorced spouse to actually force a resolution, as sending someone to jail for contempt doesn't actually solve the problem, particularly when the other parties intention is solely to harm the other party, in any and all ways that they can. 

Not only is this financial abuse from the ex-partner, the mortgage company is facilitating it, when they dont follow their own procedures by foreclosing on the property when this ex-partner continues to not pay. 

While obviously NOT ideal, a foreclosure would at least provide the non-responsible spouse an actual end to the financial abuse that the bank is facilitating by failing to honor the divorce decree. 

Mortgage companies should be required to stipulate who is responsible for the mortgage & any Home Credit lInes in event of divorce and remove the other party from the loan after a divorce at the time of the signing. They should allow for amendments to be made if something changes too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I originally submitted a complaint with CFPB regarding LexisNexis listing the wrong case number in their database for my Chapter XXXX Bankruptcy. This information was being reported incorrectly to the XXXX major bureau XXXXXX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX. I also requested a security freeze placed on my file with instructions for them to not disclose information to the bureaus which they didnt honor. 

I received the results of their investigation on XX/XX/2020 in which LexisNexis stated they verified case number XXXX as being correct through XX/XX/XXXX. After this i went direct to that database and search in their system under that case number XXXX, and through my due diligence that number return multiple case files not matching my CH. XXXX BK. Only after typing in the correct case number as supplied on my court documents sent to me by the courts and the attorney was able to pull the right file. 

I advise LexisNexis of this in the last investigation that the case number XXXX isnt the correct sequence to pull my case in public record, yet they refuse to due the proper due diligence correctly. The reason why this is important to show the accurate case number to search is because under the case number XXXX which LexisNexis says is correct in that order ( which it isnt ) will pull multiple other file cases that can potentially pull their negative information onto my records. That can cause devastating affects to my file and hinder me from being able to secure credit, financing and potentially residency. I have included documents to show proof

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I made payment arrangements with Navient to resolve my loan balance. I was told that if I paid {$100.00} per month for 12 months that my loan would be considered paid in full. I called Navient in XXXX XXXX because the automatic withdrawals were still occurring. 

When I called in, the representative congratulated me for paying off my loan and assisted me with stopping the automatic withdrawal. Everything was quiet until late XXXX when they started calling and stating that I still owed money and continue to try to collect, which in turn is damaging my credit report. 

They're stating the calls that I made did not exist when I asked them to pull the phone calls. I believe inaccurate information was given and recorded. I was treated very poorly when trying to resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent an initial letter to AFINI asking for debt validation. Attached is the information they have sent back, which frankly, is nothing. Furthermore, they have threatened to cease communication with me, as I am attempting to resolve the matter. 
USPS tracking for the first letter datedXX/XX/2019 : XXXX USPS tracking for the second letter dated XX/XX/19 : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: EQUIFAX, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: NC
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Submitted a dispute to Equifax for XXXX # XXXX and XXXX # XXXX - Asked them to provide documentation showing that this information is in fact my account and correct, since I know it is not and still have not gotten anything but the standard " Verified '' response. As a consumer it is my right to know who was spoken to, who verified the information, and to send me a copy of all information. None of that was done!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Diversified Consultant # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with DIVERSIFIED CONSULTANTS OR their client ( XXXX XXXX I do NOT owe {$620.00} and I do NOT have 1 month terms with them OR their client. This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
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 a loan with FIFTH THIRD BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FIFTH THIRD BANK with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: SN SERVICING CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transfer from XXXX to SN Servicing on or around XXXX XXXX i am currently in a bankrucpty Chapter XXXX and have been payng montly payments every month. In XXXX I have received statements stating I owe of {$14000.00}. I have contacted SN Servings many of times in reference to this matter. See time- line below and what was discuss : XX/XX/XXXX, XXXX Receive a Post-Petition statement showing a balance around XXXX. 
I called spoke to Representative in reference to post petition she said my loan was just transfer over and because of COVID it would take some time to receive a correct statement. Also, someone from the bankruptcy department will return my call. 

XX/XX/XXXX, XXXX I contacted SN, I spoke with informed Rep. I called on XX/XX/XXXX and no one never returned my called. I was transferred to bankruptcy XXXX. XXXX XXXX left a detailed message in reference to this matter. 

XX/XX/XXXX, XXXX Received a call from XXXX XXXX XXXX I informed her I made every payment to XXXXXX/XX/XXXX and I can prove every payment was made. She said it was not necessary to prove my payments at that time that she was going to do a reconciliation of my account and get back to me two weeks. 



XXXX XXXX I called SN spoke with XXXX XXXX informing her I spoke with XX/XX/XXXX in reference to the reconciliation. She did see anything in computer and again XXXX is my representative and she will get back to me. 

On XX/XX/XXXX, I received an Affidavit of Default for the month of XXXX, XXXX, and XX/XX/XXXX. Below are the dates and the amount of payments made to Sn Servicing and was debit from my bank account ; XX/XX/XXXX SN SERVICING DEBIT XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX BILL PAY SN Servicing Corporation MOBILE XXXX ON XXXX {$1100.00} XX/XX/XXXX BILL PAY SN Servicing Corporation MOBILE XXXX ON XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: AutoMoney, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
In XX/XX/2021 I had a title loan with auto money of XXXX sc. I fell behind on a payment because of the pandemic and loosing my job and they called one of the references listed on my application. They pretended to be a doctors office calling about a family member that passed away that had left a living will asking for my address where I was located to send me the money the family member left in the will. I called this number back, and asked if it was auto money, they said yes, and when I told them my name, they hung up. They misrepresented their business and pretended to be a doctors office illegally for address information. I also offered to make weekly payments before the repossion happened on XX/XX/XXXX but they refused even though they were well aware of my situation and was constantly in contact with me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I received an email from XXXX XXXX stating they were charging me {$730.00} for my membership. I called the number indicated on the email to inquire about this letter. They informed me that this was a mistake, and they would credit my checking account. I had a XXXX XXXX account in the past due to company doing a background check on me for a XXXX XXXX XXXX. The company was hacked, and we were giving XXXX XXXX to protect our information. 

I trusted the company, so I allowed them access to my checking account. The people from XXXX XXXX then withdrew {$29000.00} from my account. I immediately hung up the phone and contacted Bank of America 's Fraud Dept. BOA took my information and started the investigation. I was instructed by BOA to sign into XXXX and complete a complaint form. The next day, a detective from the XXXX XXXX police department contacted me and took my information. 

For over 60 days, I contacted BOA Fraud Dept once a week. I never spoke to a supervisor. I spoke to customer service rep every time I called. I was always told they are still investigating my claim and they had a lot of other claims they were working on. 

Finally, after 65 plus days, a customer service rep informs me that BOA Fraud Dept can't get the money back and they claim was closed. They were contacted within an hour of the event and should have been able to stop the fraud. In the past week, my debit card has had someone trying to make charges to it 5 times. This is after BOA issued me a new card. I no longer feel my money is safe at Bank of America.

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 2020-07-27
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 tried to refinance my auto loan today XX/XX/20 but unfortunately I was unable to because when they ran my credit I was told that there were many accounts in negative standing appearing on my credit history. I had no idea what accounts they were referring to since I have always paid all of my credit cards and loans on time. I looked through my credit report myself and I saw accounts and inquiries from several different companies that do not belong to me. I'm not sure who these accounts belong to but I have never given anyone permission to open them in my name using my personal information. I am not affiliated to any of the companies listed on this report nor did I benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have already filed a police report regarding these suspicious accounts and inquiries.

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