BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hello, I am writing this message in order to inform you that I found out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is highly detrimental to my credit rating. I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit 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 explanation
Consumer complaint received 2020-01-22
Company: Shellpoint Partners, LLC
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Shellpoint mortgage servicing inc., is claiming they are the new servicer and that NEW REZ Trust is the new owner, with at first XXXX XXXX as trustee, but now has allegedly changed to XXXX XXXX. originally this mortgage was in a XXXX XXXX XXXX and do not believe it can be removed from a tax exempt XXXX trust. I NEVER received any notice from the " new owners '' only the servicer, saying that it was not being recorded publicly. the " assignement '' were from MERS who has no authority to assign, as the Courts have decided. the " debt '' does NOT exist, and therefore there can be no " Mortgage '' but they claim they can still take the home, because there is a valid " lien '' but will not provide proof of anything, including their alleged " debt '' they are harming, injuring and forcing me to pay for a " legal entity '' which was created by the State and is NOT me, they are placing me into involuntary servitude and " debt '' against XXXX 's will. 
all this fraudulent, concealed " banking '' as they do not own money, or anything as fictions can not and do not have dominion. if there was an actual " loan '' where did they get the money? was it real money in accordance with the Constitution ( money is gold and silver ) and in accordance with the Federal Coinage Act, April 2, 1972? I bet not, it is nothing more than a satanic, pagen, communistic scheme to steal the American people 's wealth, property and labor, for a few foreign " bankers '' aka XXXX 's minions. 
as We the People, the true creditors and true people of god and his dominion, we are tired of all this fraud, we are tired of the foreign agents ( XXXX XXXX XXXX ) and their Oath to the Crown/ City of XXXX or the master banker. XXXX we know there is no money, we know we are being abused and XXXX, plundered and pillaged, but where is the legislation that allows this madness? 
private-woman- Noncitizen-American- National. original " WE the PEOPLE '' granters of " governments ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2017 I received form XXXX, IRS ' form for the canceled debt. Sender was Ocwen Loan Servising LLC. However plaintiff on the foreclosure case were GMAC Mortgage, LLC. When I forwarded request for explanation to the Ocwen, they claim that Power of Attorney were granted to GMAC Mortgage by Ocwen. On several occasions I asked Ocwen to provide me with aforementioned document. Ocwen ignored my request. 
PHH Mortgage Services purchased Ocwen. Pursuant 12 CFR Part 1024.36, I forwarded formal Request for Information. PHH Mortgage services refused to present requested document, Power of Attorney. Therefore, I am looking for CFPB 's the assistance in obtaining aforementioned legal paper. 

Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Through conspiracy with regulators, politicians and XXXX related entities Chase is in possession of my and other creditors stolen property. Chase is now insolvent and as a result Chase needs to immediately cease all lending activity. The existing collateral for their outstanding loans, likely mortgages and businesses should be liquidated and the bank should cease to exist. The politicians that were paid for with stolen money need to be impeached and their sponsored policies void. The people responsible will be tried for treason as their actions directly threaten the continued existence of the republic. If you think XXXX bought a lot of political influence with my stolen capital, then brace..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX card was charged for {$2200.00} which i did not authorize. 
Filed a dispute with Comenity capital bank. 
Explained the situation and the charge is still on the card. 
Refiled comllaint and made min. Payment to keep my credit clean.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20
Company: EdFinancial Services
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made payments totaling {$11000.00} during the COVID-19 Student Loan Payment Pause beginning in XX/XX/XXXX. On XX/XX/XXXX I made a phone call to EdFinancial Services to request a refund of all payments I had made after XX/XX/XXXX. I was told that a request for a refund had been submitted, however I was not provided an estimated time for this refund to be processed. I was also told that I would not be receiving any sort of receipt/validation ( via email or any other communication ) that I had submitted a refund request. I was told that I would not be receiving any communication about the status of my request I was told that I would need to contact EdFinancial Services myself to check up on the status of my refund request. I have continued to check my loan account through EdFinancial services weekly, and my loan balance has not been reinstated to what it was before XX/XX/XXXX. I have not received my refund or any communication regarding it. I placed a call again on XX/XX/XXXX and was refused a timeline on when I would be getting my refund. I was once again told that the refund request had been submitted, but nothing has changed. As of today ( XX/XX/XXXX ) my loan balance has not been reinstated and I have not received the refund of {$11000.00} that I requested on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX, XXXX ( XXXX ) and XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) fail to correctly process in-school deferment. 
XX/XX/XXXX - In-school deferment requested/school enrollment verification sent. In proper date of deferment was applied and request to amend have not be answered. Email ( s ) list deferment until XX/XX/XXXX which is different than date from the university listing anticipated graduation XX/XX/XXXX.

XX/XX/XXXX - Invoice statement from XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX sent within the grace period/in-school deferment. Invoice reflects incorrect deferment date ( XX/XX/XXXX ). Letter disputed XXXX deferment date and requested a copy of complete loans records and/or documents XX/XX/XXXX - Email from XXXX is a billing statement, which I am unable to open or log into account. Additionally, I have requested XXXX on ( XX/XX/XXXX and XX/XX/XXXX ) to cease and desist sending erroneous emails/communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX sent me a collection notice regarding an account that was clearly fabricated. It does not appear on my credit report, and I never opened this account nor did I agree to assume this debt. 

The original creditor they cite - Citibank N.A. XXXX-Consumer -- is not associated with the IIN/BIN Number number cited ( XXXX ) -- and is in fact associated with a DEBIT card, not a credit card. A cursory check of the facts by XXXX would prove that this debt record is completely fabricated. 

It's clear that they are trying to collect on fake debts, and someone needs to stop 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 2017-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried numerous times to get my free credit report from https : //www.XXXX.com. It keeps looping and giving errors so that I can not obtain my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXXXXXX 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 XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX fl, XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX, fl XXXX, Accounts, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I RECEIVED COPIES OF MY CREDIT REPORT, THERE WERE XXXX COMPANIES WHICH I DON'T RECOGNIZE, I HAVE NEVER APPLIED FOR THESE CREDITORS, I'M NOT RESPONSIBLE FOR THESE DEBTS.

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 2022-09-12
Company: Jason Michael Katz, P.C.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Jason Michael Katz , P.C . has violated my Federally Protected rights under the Fair Debt Collection Practice Act 15 U.S.C 1692. Jason law firm pursued litigation in state court for the 2nd time, without 1. Notifying me of this lawsuit, I have not received a new copy of the lawsuit before Jason and employees filed for an judgement 2.I never contracted with Jason P.C . to be sued upon neither time violating 15 U.S.C 1692i. I was also threatened and coerced into payments by Jason P.C. that I would be sued if I did not pay them for the alleged debt. I am now putting you on NOTICE to Cease Communication with me from all mediums including ceasing the judgement within 30 days and returning the funds as stated in my attachment.

Jason P.C. has used deceptive and abusive debt collection practice while collecting on the alleged debt causing me actual damages including but not limited to mental anguish, defamation of character, embarrassment, anxiety and more that will brought in Federal Court if you fail to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: IN
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, Equifax and XXXX are violating my rights and are violating 15 usc 1681a # 2 a 1. Congress says your consumer report does not include transactions and experiences between the consumer and the person making the report. The line of credit and what I use and how I use it is considered my transactions. My payment history is my transaction and my experience is the line of credit. So if the consumer report does not include the transaction or the experiences where does a late payment or high utilization come from. These account need to be deleted immediately ... Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 and Transunion are violating my rights and are violating 15 usc 1681a # 2 a 1. Congress says your consumer report does not include transactions and experiences between the consumer and the person making the report. The line of credit and what I use and how I use it is considered my transactions. My payment history is my transaction and my experience is the line of credit. So if the consumer report does not include the transaction or the experiences where does a late payment or high utilization come from. These account need to be deleted immediately ... Accounts : XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-12
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX {$7200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXX {$5100.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$7800.00} XX/XX/XXXX XXXX  XXXX XXXX {$820.00} XX/XX/XXXX XXXX  XXXX {$590.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My father passed away in XX/XX/XXXX. He had 3 CD 's with Capitol One. I do not have the amounts as the accounts are to be split 4 ways. I emailed the requested Letter of Instruction along with a copy of my driver 's license on XX/XX/XXXX. As I had not received any funds as of XX/XX/XXXX and my siblings had, I attempted to call them to obtain a status and was told the Bank Estate Operations department did not have phones. I was instructed to email them which I did on XX/XX/XXXX. I emailed them again on XX/XX/XXXX and resent the requested documentation in the event they had not received it the first time. The only response I have received is an automated email stating they received the email. I have not received any other communication nor have I received any of the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
First, the company has misclassified my student loans so that I missed out on the interest freeze and the repayment freeze. I am currently trying to contact them as they have miscalculated my income-based repayment ( trying to charge me 50 % of my monthly income on an IBR plan which is only supposed to be between 10 and 15 % ). There is no way to contact them. You can not fix this on their website, and I have called them 5 times, during their business hours, and the automated system continues to hang up claiming that the call center is closed. I started calling at XXXX XXXX  XXXX XXXX. THey are supposed to be open until XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
An investment property was purchased through XXXX XXXX XXXX   XXXX. In Closing, they provided a document titled " Private Mortgage Insurance Disclosure '' that declares that Automatic Termination of PMI will happen on XX/XX/XXXX ( so long as I was current, which I was ). 

At some point, the loan was sold to Ditech who has been servicing it for several years. Despite numerous calls to Ditech and Ditech even locating this original XXXX XXXX XXXX  document ( and then Ditech requesting me to send a copy to them ), Ditech has repeatedly stated that " since they consider it an investment property, they don't allow PMI to stop until the 50 % mark, which is scheduled to be XX/XX/XXXX. '' That's a changing of the terms under which I got the loan with XXXX XXXX XXXX XXXXXXXX. 

Since XX/XX/XXXX, Ditech has proceeded to illegally collect, keep, and hold {$1800.00} ( to date : XXXX XX/XX/XXXX ) of my money for the purpose of PMI, that was by loan origination with XXXX XXXX XXXX, supposed to automatically terminate. I'd like a refund of this overcollection. I've tried to work through the Ditech Escrow Department several times, and continue to simply get " we consider it investment property, and the PMI will thus be removed on XX/XX/XXXX ''. This is a CHANGE IN LOAN TERMS that I understand to be illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: TX
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 has a account open my credit reoprt that date XX/XX/2023 which is seven yr old, would like for this to be remove from my credit 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 explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: NE
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief