BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-09
Company: Advanced Resolution Services Inc.
State: PA
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:
Advanced Resolution Services Inc. has refused to follow the Fair Credit Reporting Act Section 605A which states that a consumer reporting agency needs to place a security freeze within 1 day by phone and 3 by mail. 

ARS is now stating that they do not need to follow the Fair Credit Reporting Act because they are not a National Consumer Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
Hi, I sign an Deferment Agreement on XX/XX/XXXX it was never credited to my account and Im still receiving fees for the status of my acct. when i try to pull up the deferment agreement it is missing. The agreement would have covered 2 half payments for XXXX and XXXX and then I made a full payment to cover the rest. The only payment outstanding as of XX/XX/XXXX is XXXX but they show XXXX, XXXX and XXXX payments past due. I cant even Monitor what payments are missing due to missing information on statements this company is a joke and how many times can one acct have these many problems. Im sick of having to report this one company. This is 100 percent retaliation and harassment against me for reporting them to the Federal government

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I submitted a help request to XXXX because I could not log in to my account and access my funds. They then sent me a re-verification email asking me to provide an ID verification. I sent a copy of my US passport. 

On XX/XX/2022 I asked if there was any update on my case. They replied that they were working on my issue. 

On XX/XX/2022 I received an email that my account was being closed. There was no mention as to the reason or that my funds would be returned to me. They simply sent a link to their policies. 

After reviewing the policies, I was not in violation of any of them. Calling their number ( XXXX ) says to email XXXX. After emailing them, they said that they can not give me a reason as to why and will not confirm that my funds will be returned to me. 

I had over {$1000.00} in my account at the time of cancellation. I have not been able to access my account since XX/XX/2022. It was closed without warning or without clear indication my funds would be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: EQUIFAX, INC.
State: NM
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:
Last month ( XX/XX/2019 ) I discovered a number of credit cards on my credit report that did not belong to me. I called each company and none of them had any record of me. I called all the credit unions ( Equifax first, XXXX, XXXX  ) and submitted disputed after freezing my accounts/starting a fraud alert. Most of the credit companies removed the information immediately, but Equifax just got back to me saying that one of the cards that was on my account was confirmed as mine. Its got a significant balance on it and most definitely isnt mine. With the dispute result they gave me an account number, but according to the bank ( XXXX XXXX  XXXX  ) they cant do anything unless I have a credit card number. So they told me to talk to equifax. Equifax has been delaying me with a faulty automation system driving me in circles until they finally let me talk to a representative. When I get to the representative they spend a long time confirming my identity, only to put me on hold or transfer me, ultimately leading to me being hung up on either personally by a representative or by automation. They are deliberately ignoring me and refusing to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I rencently XXXX my dad last year and my mortgage provider XXXX XXXX refused to help me. They sent me to select portfoilo servicing in XXXX of this year. I opened a died in lieu in XXXX XXXX of this year and they have given me the run around i keep calling them and they keep telling me the investor on my case needs to sign off on it. they keep telling me to call back i just want to sign it over to them..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
Several inquiries pop on my credit report I have uploaded ftc report with inquiry XXXXXXXX XXXX and XXXX XXXXXXXX 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 2023-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the Equifax data breach I found unverifiable, invalidated, inaccurate, and questionable items that XXXX, Equifax, XXXX didnt make sure it was reporting 100 % correct. 

I reached out to them, and nothing was done. In accordance with Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished these accounts that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which made this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EQUIFAX IS VIOLATING MY FCRA RIGHTS FOR ALLOWING THIS ACCOUNT TO CONTINUE REPORTING ON MY CREDIT REPORT. 

XXXX XXXX XXXX THIS ACCOUNT HAS BEEN CHANGED MULTIPLE TIMES, DUE TO MULTIPLE REPORTING ERRORS. THE FCRA CLEARLY MENTIONS ALL INCORRECT ACCOUNTS BEING REPORTED MUST BE REMOVED. 

THIS ACCOUNT WAS PAID OFF ( NOT IN DELINQUENT ), XXXX REPORTED INCORRECT HISTORY, DID NOT INCLUDE THE GAP COVERAGE, UPON RETURNING THE LEASE AT THE END OF LEASE AGREEMENT. EQUIFAX CHANGED THE INFORMATION 5 TIMES AND IT STILL NOT CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Dovenmuehle Mortgage, 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: Investigation took more than 30 days

Complaint:
DOVENMUEHLE BANK that was a servicer for XXXX XXXX has reported two incorrect mortgage payments as of XX/XX/2021 and XX/XX/2021 showing that they were 30 and 60 days past due but the payments were made to XXXX XXXX directly and Dovenmuehle Bank was not aware of the payments and reported them late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: OK
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen  Mortgage has failed to cancel my PMI, or even respond to the request adequately. The only response I have received is that they received an unspecified request and will evaluate i t ( n ot even mentioning the actual request ). No response since then.   
I understand the CFPB is already pursuing Ocwen on man  y levels, I just want to join the cause!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my deep frustration and annoyance with the continued presence of fraudulent accounts on my credit report. Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXX XXXX - PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter. It has been years since I first reported these fraudulent accounts to your bureau, and yet they continue to tarnish my credit history, causing me financial and emotional distress. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all these efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: Navient Solutions, LLC.
State: ND
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX I took out a private student loan from XXXX XXXX/Navient. The disbursement amount was {$32000.00}. XXXX XXXX/Navient was vague with regard to the terms, interest rate and repayment options from the start. Every time I called with questions they pushed me into forbearance or deferment. They told me I didn't qualify for income based repayment, refinancing or any other options. I have attached the account ledger wherein it is clear that Navient capitalized thousands of dollars of interest during forbearance or deferment periods. I was never given other repayment options despite calling repeatedly. Even when I filed a previous complaint with the CFPB the response from Navient again suggested forebearance as a solution. Forebearance only benefits Navient and is NOT a solution to my problem. My original loan amount was {$32000.00} as of XX/XX/XXXX. Navient has increased my loan amount, interest rate and payments creating financial hardship and a loan that I will NEVER pay off. As of today, XX/XX/XXXX I owe {$35000.00} and have an interest rate of 7 % and my payments are {$350.00} per month. Navient has not properly or legally serviced this loan in the best interest of the borrower. Their actions are only in their best interest. To date I have paid a total of {$27000.00} on my loan of {$32000.00} and I still owe {$35000.00}!!!! I will never pay this loan off. Navient also does not apply the correct amount to my principal therefore racking up enormous interest balance on my loan. This loan that I have paid on for over 10 years will take me another 20 years to pay off and that's if they don't keep raising my interest rate. I am asking for LOAN FORGIVENESS. Navient is engaging in illegal loan servicing practices and I am requesting borrower relief. This loan and previous forbearance and deferment have drastically hurt my credit and will continue to do so for the next 20+ years. I have contacted Navient on several occasions asking to refinance, lower my interest rate, renegotiate loan terms, repayment options ( the only repayment option they say that I qualify for is forbearance or deferment ) which is NOT in my best interest. Please help. I would be willing to settle the loan for the difference between my original loan amount and what I have already paid for a total settlement amount of {$4900.00} in a lump sum payment. This is a FAIR resolution. I want settlement or total loan forgiveness! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 



XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
On XX/XX/2023 Wells Fargo, NA filed a foreclosure complaint against fictitious persons XXXX XXXX, HUSBAND OF XXXX and XXXX XXXX XXXX XXXX XXXX, HIS WIFE ( see attached, Case Details : XXXX | General Equity Docket # XXXX ). I have informed Wells Fargo, NA that i am a living woman, i am a member of the General Public, and i am standing under the Public Law. Mr. Attorney called i a " XXXX Citizen '' ( Mr. Attorney is implementing a propaganda campaign against the peaceful non-combatant people of the states of the XXXX and mischaracterizing them as XXXX Citizens ). Wells Fargo, NA claims that they have all documents to prove standing for the complaint. I requested the original note and mortgage with the indorsements. Wells Fargo, NA has never provided the original documents with indorsements on them. Attorney - XXXX XXXX XXXX XXXX ( substitution of counsel ), court clerk, court administrator, and the judge XXXX continue to conspire against i despite all the evidence of the mortgage fraud i provided ( including Affidavit of XXXX XXXX XXXX - licensed private investigator on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX License # XXXX ), continue to fabricate fictitious documents ( like a copy of the XXXX to the note that had no records of existence before XX/XX/2023 ), robosign documents. XXXX XXXX denied my motion to Compel Discovery and granted Motion for the Summary Judgment to Mr. Attorney even though Mr. Attorney had not answered interrogatories, had not provided requested productions of documents. Mr. Attorney admitted that XXXX XXXX Trust was not named as payee on the XXXX XXXX and mortgage and does not now have rights to the XXXX XXXX . For the XXXX XXXX XXXX to gain rights to the XXXX XXXX , the XXXX XXXX XXXX would have to be named payee ( XXXX XXXX XXXXXXXX ). Why does the judge still moving with the foreclosure and calling living people fictitious entities? 
Public Record of our Political Status, land grand, and cancellation of all powers of attorney can be found in Book XXXX XXXX XXXX XXXXXXXX XXXX ( Pg XXXX - XXXX ) and on the XXXX XXXX XXXX website : 1. Go to XXXX XXXX XXXX  then click ENTER 2. In the box labeled To locate/verify member record, enter : enter the recording number # XXXX and # XXXX 3. Follow the link Go to All Published Documents

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 2023-04-03
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:
Experian purposely put inaccurate information on my report in regards to my student loans with XXXX. During the pandemic these student loans were put on paused in addition these loans are currently under the IDR program and my payments are {$0.00} dollars a month. The dispute number in regards to my complaint is # XXXX. Experian claims, that all of sudden, these student loans can not be found. Here is what is on the report, " Potentially negative/Creditor can not locate individual - never late. '' In addition this is my other issue with Experian, they will wait until my balance on my credit cards are higher than usual to report it. It does not matter how many payments I make during the month. It does not matter. Nor do they consider that people are recovering from the pandemic. For example my XXXX Credit card on their report shows a current balance of {$450.00} on XX/XX/2023, even though I made several payments between XX/XX/2023 through XX/XX/2023. They are very bias towards me and will do anything to lower my score and no matter how many times I dispute things, Experian refuses to remove these inaccurate items.

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 2023-11-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX  I sent Equifax a statement explaining every violation in my complaint. I also included a copy of my social security card, driver 's license & utility bill. Please review the attached documentation. I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports. The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so Equifax is required to make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations. All information must be reported accurately and according with Metro 2 regulations or else the reporting agency can face fines, so the reporting agency is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why Equifax and the company who provided the data to Equifax to consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that Equifax verify permissible purpose was provided for each account and inquiry.

Company response to consumer: Closed with explanation