BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-01
Company: Experian Information Solutions Inc.
State: NJ
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:
Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and have been responded to repeatedly with verified as accurate without providing the requested documentation.I have specifically asked for an investigation and not an electronic or XXXX verification and their method of verification but they continue to ignore my requests.

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 2017-11-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have several complaints about Equifax. 

1- I have repeatedly filed several complaints ( over 2 years ) using Equifax 's online system to have them remove the suffix of XXXX off my report.. Every time I ask them to do this, they provide a confirmation number and tell me it will be removed in 30 days. They send me emails that say the fix has been completed, but it is STILL not fixed. Instead, my profession as a XXXX and an XXXX XXXX were omitted off my report. I did n't ask them to do this!! 

2. Prior to submitting the complaint to remove the suffix XXXX, my credit score was in the XXXX. After Equifax sent me a confirmation stating they removed the XXXX ( which they did not ), my credit score dropped from XXXX to XXXX without any reason on why. XXXX and XXXX both still reflect the accurate same score of the XXXX. 

3 - In XX/XX/XXXX, I requested that Equifax send me a monthly credit report. The charge of {$19.00} was more than I wanted for my budget, so I called in and requested they cancel the subscription. They convinced me to continue and they would reduce my price to {$9.00} a month instead. I accepted. In XX/XX/XXXX, I received a bill increasing my monthly subscription fee to {$19.00}. Customer service did not verbally explain to me or send me email stating that the price would increase to {$19.00}. It was explained that my regular monthly payment would continue at the {$9.00} until I cancelled it. 

My private data was breached and what appears with my name is not accurate using XXXX. I tried calling in to get these issues fixed but no one fixes them. I only get a confirmation number and I get switched around from customer service rep to customer service rep. 
These things are affecting my ability to buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
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:
ON XXXX XXXX 2016 I NOTIFIED THE CREDIT BUREAUS AND FRAUDULENT ACCOUNT CREDITORS OF THE FRAUD. BOTH PARTIES ARE IN VIOLATIONS. 
1. 18 U.S.C. 1028 2. 18 U.S.C. 1029 3. 18 U.S.C. 1030 4. 18 U.S.C. 1341 5. 18 U.S.C. 1343 6. 18 U.S.C. 1344 I NEED THE CREDIT BUREAUS TO SHOW 100 % PROOF THAT THESE ACCOUNTS ARE MIND OR REMOVE THEM ASAP

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 2022-02-17
Company: National Credit Adjusters, LLC
State: TN
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: Problem with personal statement of dispute

Complaint:
I was a victim of identity theft in which all my personal belongings were stolen. Someone opened this account fraudulently in my name. I tried to dispute this collection several times with no luck. The collection agency, NCA and the original creditor, XXXX XXXX failed to do proper research and validate that this account actually belongs to me. I have not received any written documentation or proof regarding this matter. I tried contacting easy money to try to get this resolved and this company is no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE. SOMEOE HAS STOLEN MY INFORMATION AND OPENED SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE.

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 2020-09-15
Company: Better Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance of a mortgage and 2nd ( HELOC ) in early XXXX of 2020. I went through the entire application process, credit reports were pulled, appraisals were pre paid, etc. and loan was approved. 

However in the middle of this process ( on XX/XX/XXXX ). I was told that due to COVID that terms are constantly changing and I was no longer approved for the refinance. So the refinance was cancelled. 

However, in this process Better Mortgage locked up the funds on my HELOC and my bank will not release me my funds until Better Mortgage notifies them. It is now mid XXXX and funds are still locked up. 

I have place calls in Better Mortgage and can not get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ON XXXX XXXX 2016 I NOTIFIED THE CREDIT BUREAUS AND FRAUDULENT ACCOUNT CREDITORS OF THE FRAUD. BOTH PARTIES ARE IN VIOLATIONS. 
1. 18 U.S.C. 1028 2. 18 U.S.C. 1029 3. 18 U.S.C. 1030 4. 18 U.S.C. 1341 5. 18 U.S.C. 1343 6. 18 U.S.C. 1344 I NEED THE CREDIT BUREAUS TO SHOW 100 % PROOF THAT THESE ACCOUNTS ARE MIND OR REMOVE THEM ASAP

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 2022-02-17
Company: EQUIFAX, INC.
State: PA
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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX Date of inquiry XXXX/XXXX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: BANNER CORPORATION
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I made a regular mortgage payment on XX/XX/XXXX in the morning. 

We decided to pay this mortgage off as the bank makes posting errors about interest and principal. And the bank gives us different information every time we talk to them, ie get one receipt for interest, one receipt for principal ; another person says no that is not right it has to be redone. All payments have been made on site as the bank can't seem to record anything correctly and has a different rule each time we talk with a rept- however we are never allowed to talk to a mortgage rept as that is a separate department and they don't take calls. 

We paid off the mortgage on XX/XX/XXXX in the afternoon. 

Other than the receipt we received for both transactions listed above, we have not received a pay off statement, or any documentation that the property has been released by the mortgage department of the bank. We did receive a 1099 which lists a balance on the mortgage. We don't have a balance. 

My husband talked to the Bank manager who referred us to the mortgage depart. 

I called the mortgage department, they did not respond. 

I've sent a total of 6 letters, no response. 

I would like a list of every payment made for 2021 and the applied interest for my account to verify. 

I want documentation of pay off of the mortgage. 

I want the property 'released ' per county records. 

It's been almost 3 months, this is an unaccepable business practice.

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 2017-11-16
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX / Navient I would like the following amounts Be removed from all 3 credit agencies immediately. I am in the process of buying a home and this is stopping me from obtaining credit. The original loan dates are XXXX XXXX 2011 in the amount of XXXX / XXXX XXXX 2011 in the amount of XXXX in which according to the SOL in Ohio is 6 years. I would like for this to be removed from my credit reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Navient Solutions, LLC.
State: MS
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 loans serviced by Navient which were originally {$22000.00} and {$11000.00} these loans have grown in interest over the years to now be {$36000.00} and {$20000.00}. Because I defaulted on these loans the total amount owed with collection fees is reported to be over {$71000.00}. There is no way I can pay this amount. When trying to deal with my loans and get out of default, I learn that I should have been put on an Income based repayment plan. I was a single parent beginning XXXX. I was married from XXXX, but my husband passed away in XXXX leaving me a widow and once again a single parent. I was single up until XXXX and struggling with my daughter to make ends meet.Because of my circumstances, I would have qualified. Every time I spoke to someone, no one ever attempted to set me up for any sort of loan forgiveness or an Income based repayment plan. I was always pushed into forbearance or deferment. My loans have constantly been in a state of forbearance or deferment. If they had been in an appropriate income based repayment plan my loans would likely be paid off or forgiven by now. Instead I am haunted by this overwhelming debt, and harassed by XXXX and XXXX XXXX who are attempting to collect this balance for Navient. I feel like I have been hustled into this crazy amount of debt that I shouldn't actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
Due to the XXXX breach, I found out that in XX/XX/XXXX, Navy Federal Credit Union placed an illegal tradeline, a credit card account ending in XXXX, on my personal XXXX, XXXX, and XXXX credit reports. 

Since that time, I have sent multiple letter to Navy Federal Credit to provide me validation that this account was mine in accordance to FACTA law including, but not limited to : a application or electronic consent to open this account with my signature or voice approval. As recently as XX/XX/XXXX, I tried to contact them in attempt to resolve this matter to no avail. 

To date, Navy FCU has not sent me any documentation that this account was mine, stating this a Joint account, which I did not agree to have opened. I have also disputed multiple times with the credit bureaus, each time Navy FCU said this bogus credit card account was mine. 

Further, since XX/XX/XXXX, Navy FCU had deducted payments from my checking account ( # XXXX ), and  closed it in XX/XX/XXXX without any notice ( mail or email ) to me. 

In XX/XX/XXXX, I placed a complaint with the National Credit Union Administration ( NCAU ). In response, the NCAU emailed me stating that my complaint was not handled by  their organization, and to file with CFPB and FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: LEXISNEXIS
State: IL
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, 2017, LexisNexis sent me a letter indicating they were " suppressing '' the bankruptcy record on my file maintained by them. I assume their use of the word " suppressed '' is tantamount to " deleted ''. As on this date, I have not received a resolution letter or the updated XXXX XXXX report. Additionally, LexisNexis has not stopped reporting the item in question to the credit reporting agencies. 

LexisNexis internal Case # XXXX LexisNexis Consumer #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have a scam credit pull on my report XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX Cant verify and experian will not take it off

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 2021-04-14
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been fighting with the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay a claim for Hurricane XXXX, The Policy is owed by the Mortgage Servicer Round Point Mortgage. I'm paying my mortgage every month on time. I have advised the mortgage company that the house still needs repairs and unlivable. The mortgage company hasn't taken any action to remedy the situation. Something has to be done. the floors are gone, the structure of the house is compromised. I could literally fall through the cracks at anytime. I condition of the property has deteriorated since the hurricane in 2017. Its actually very dangerous. I had to purchase sheets of wood the lay on the floor to cover the wholes.

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 2017-11-15
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received my paycheck from XXXX XXXX ( XXXX XXXX ). I deposited mobile to my Chase Bank Account. A few days later accidently grabbed same check ( instead of another check ) and deposited physically at XXXX XXXX. I realized that evening I had made mistake and went to XXXX XXXX next day to cancel deposit. they reversed funds. then a week later Chase Bank reversed funds as well. 

This check is not in either of my accounts and the funds were not returned to XXXX. 

I have called so many times to get this corrected. no one can fix this Please help me to get this {$1300.00} back to my employer. 

call me at XXXX for questions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian and XXXX  are fraudulent on my credit XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX  is fraudulent on my Acct # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Early Warning Services, LLC
State: MN
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 open a XXXXXXXX XXXX account and was declined due to negative reporting on Early Warning report that states a XXXXXXXX XXXX account reported XX/XX/2017. 

Early Warning sent me the report and and I have never had a XXXX XXXX account and when I contacted XXXX to inquire about it they were unable to pull anything based on my information, so there was nothing to dispute with them. 

Early Warning is referring me to the bank which is not giving me any information, I provided early warning with police report and requested for them to remove this reporting that does not belong to me and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022 escrow closed on my home located at XXXX XXXX XXXX, XXXX, XXXX  XXXX. Within that week I went to PHH MortgageXXXX website to confirm it was paid in full and it was. I also put a forwarding address as to I was waiting on my credit for my escrow account in the amount of {$4500.00}. PHH mortgage proceeded to send my check to the corona address even after I had updated a forwarding address. I found this out on or about XX/XX/2022. The agent then told me she would stop payment on that check and reissue it to my current address which is XXXX XXXX XXXX XXXX XXXX XXXX. She stated The check would go out the next day or XXXX XX/XX/2022, at the latest. I waited approximately a week, XX/XX/XXXX, and called to verify that the check was indeed on its way to the new address, I was told yes it went out at the end of XXXX. On XX/XX/XXXX I called PHH mortgage again and let them know that I still had not received my escrow payout and I was informed that I should " Give it a few more days '' Now it had almost been 2 weeks so I asked for a supervisor. I spoke to him and we agreed I would give it to XXXX, XX/XX/XXXX He would give me a call that day to confirm I received the check, and if not he would cancel the check again and overnight a new one. I never received a callback. On XX/XX/XXXX I called asking for a supervisor and now was informed that they have to wait 10 days for the turnaround process then they would overnight me a check. I felt now I am getting the run-around and they have no intention of sending me a new check. Again I asked for the person above him as this is not acceptable the check has obviously gone missing its been 3 weeks since it was mailed. All other correspondence that I have received from PHH has had no issues reaching my home and they were all sent in XXXX so how is this possible? They are refusing to send me my check it is very simple to just overnight it I am constantly told that someone will get back to me I just want my money that is owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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 have two collections on my file. I contacted the companies to settle the debt and received an agreement to settle and remove the items from my files.

I provided this information to the credit bureau and they removed the balance only. They did not remove the item from the file. 

The items in question are : 1 ) XXXX XXXX ( Account number XXXX ) 2 ) XXXX XXXX Co ( Account number 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 non-monetary relief