BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have an established agreement with XXXX XXXX due to being impacted by the pandemic and XXXX is in violation and continues to tarnish my credit report while I have an arrangement with them. I called and was informed that they are behind and will continue to derogatorily report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: KS
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:
All three credit bureaus are stating that my XXXX XXXX XXXX XXXX  account is showing a status of " consumer disputes, consumer disagrees. '' I am not disputing or disagreeing with this finding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-25
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been waiting for Quicken Loans to redo a quitclaim deed XXXXXXXX XXXX because they put home ownership into a non-residing co-applicants name into deed/title. 
In the closing docs XXXX included the incorrect deed along with the correct deed as they refer to as Deed XXXX and Deed XXXX. XX/XX/2021, I prefer XXXX real deed only. They told me to leave it in packet and ignore erroneous deed along with numerous, dozens, of other extraneous documents that never make it into a closing packet. XXXX will not refine the packet and upload to me with correct closing packet AND they dont care if Closing takes place as scheduled. 
Underwriting finished review of all tasks completed on time for applicants. The closing disclosure is XXXX pages but the closing packet is XXXX pages. 

XXXX XXXXXXXX is to be closing date. I do believe XXXX is fining me for days past the XXXX  day rate lock and an extension period. Obviously, XXXX is not concerned about completion of this refi loan. 
I am! 

I was uploaded XXXX pages for closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I began a repayment plan in the fall of XXXX after learning that I was no longer eligible for forbearance or deferment options. I spoke with an account manager who placed me in a program that allowed me to make semi-reasonable payments with auto deduction. I re-enrolled in this program every year since that and have been current the entire time. However, in XX/XX/XXXX I received notification that my payment would increase. I called that month and was told that it would not increase until XXXX, but I would have to wait until then to request the continue the current payment. I called the first week of XX/XX/XXXX and was told that there was no program I was eligible for from two account managers with no explanation as to why. There was no attempt to work to resolve the issue that the payment is too high for me to pay after 3 years of perfect payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: EQUIFAX, INC.
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:
cra violation equifax breach cause me to destroy my credit file XXXX  taking more than 90 days to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a credit card with Bank of America. ( I closed the account yesterday, XX/XX/18, because of this outrageous incident I had with them. ) At the beginning of XXXX, 2018, my credit card balance was {$5800.00}. I paid the amount in full on XX/XX/18. At the time, I also set up automatic payments so that in the future the full balance would be paid on the XXXX of each month. As of XX/XX/18, my account at BoA was {$0.00}. I did not use the card again. 

On XX/XX/18, BoA issued an automatic withdrawal from my bank for an ADDITIONAL {$5800.00}, even though my balance had been paid off in full 24 days previously. 

Of course I did not have that money in my bank account, so my bank account was overdrawn, and I was fined by my bank. When I called BoA to explain the situation, I was routed to multiple people and supervisors, all of whom told me that it was my fault that this happened and that they could not remedy the situation.

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 monetary relief
Consumer complaint received 2018-07-10
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
After my bankruptcy was discharged in XX/XX/XXXX Ocwen Loan Servicing, LLC.sent me a document dated XX/XX/XXXX that stated as your obligation under the terms of the Note was discharged through bankruptcy you are under no obligation to Ocwen to make any further loan payments.Ocwen still posseses a lien against the property in the amount of the discharged debt under the terms of the Security Instrument ( mortgage or Deed of Trust ) you do have the option of making voluntary payments. I could not make any voluntary payments as I had just lost my job of 27 years with XXXX XXXX due to a XXXX XXXX operation Over the last 4 years Ocwen has threatened to foreclose which brings me to the filing of this complaint that is clearly a case of Deceptive Practice. 
I am now receiving disability benefits which will enable to pay my monthly payment of {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: I.C. System, Inc.
State: MO
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:
On XX/XX/2020, I submitted a dispute to remove IC Systems from my credit reports. It was removed, however, it is showing back up today on my transunion report. The original creditor, XXXX, had removed it previously due to this being an account my ex wife opened without my knowledge and consent, but then it went to collections and reappeared on my reports. I need this removed as it has already been removed by the bureaus and is reappearing once again. I feel it is a matter of time before it shows up on the other 2 bureaus.

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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX {$1700.00} XXXX  XXXX {$720.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$170.00} XXXX  XXXX {$670.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Larry H. Miller Group of Companies
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
We went in to XXXX XXXX XXXX in XXXX and purchased a van. We told him we didnt have money for the down payment and started asking about our cars. With a lot of pressure we signed a contract the next day we told him that we werent able to afford that. XXXX the manager said pay or go to collections. So XX/XX/XXXX we had to go sell our XXXX to the dealer and pay the deposit. Monday XX/XX/XXXX we receive a letter saying are contract was canceled. We try returning the van and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've been requesting a repayment plan with the service lender. I was advised my husbands income, XXXX XXXX could not be used because his name was not on the initial mortgage. I've added my husband to the Deed because from what I understand, as long as he's on the deed FHA would consider his income for a repayment plan. Please reference copy enclosed. We are again requesting a 30 day foreclosure postponement to allow us time to be considered for a repayment plan as we are able to afford a temporary increased payment amount using our combined income to bring our account current. 

We've been denied the ability to be reviewed for a repayment plan, because we were advised FHA does not allow anyone else 's income to be used even if my husband was on the Deed. In the event FHA would not allow us to apply for a repayment plan we would like the opportunity to sale the home only if we are denied the repayment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have had this student loan with Navient for well over ten years. I believe it was Sallie Mae in the beginning. I have paid it on time always. A few years ago, I did request they take more out of my checking for payment ( {$100.00} ) so the loan would be paid off sooner. At some point, they stopped taking {$100.00} out and started taking out less without my knowledge, so therefore, the loan is not paid off. I asked them to stop asking me to do auto pay since I don't trust them to take out the amount I requested. They insist on taking out less it seems. I have sent them over XXXX $ in the last 3 months. My payment was only around XXXX $ a month before I discovered they were not taking out {$100.00}. I have been sending way more than that and they keep calling to say I have an overdue amount. There is no way I could have an overdue amount as I am trying to pay this loan off, and they don't seem to even appreciate that. I have asked them to send me an updated itemized statement. The balance on the website now looks way higher than what it should be even after I have made a huge effort to send them extra money since XXXX. My job was eliminated last year due to the pandemic, and I am making a lot less now at a different job. They don't seem to take that into consideration at all and keep calling me saying they can help me with my overdue balance, and I should not have an overdue balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a copy of my credit report and noticed a debt from TD Bank. I don't ever recall doing any business with the what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX  XXXX is inaccurately reporting my old XXXX XXXX account as having multiple late payments and being closed in XX/XX/XXXX. After submitting 2 emails directly to the CEO I received calls from his office assuring me the account was reporting correctly. I asked for copies of my prior statements. Upon receiving these statements I had immediate proof of statements showing activity into XXXX long after they claimed it was closed, and no proofs of lates on months they are reporting as such.

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 2020-01-23
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, 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:
I am having issues getting my accurate information to reflect on my report. I have a XXXX CARD, XXXX AND XXXX XXXX ACCOUNT THAT IS NOT SHOWING! My XXXX Card is XXXX XXXX XXXX XXXX, My XXXX is XXXX XXXX XXXX XXXX, my XXXX XXXX is 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 non-monetary relief
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, 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:
I am having issues getting my accurate information to reflect on my report. I have a XXXX XXXX, XXXX AND XXXX XXXX ACCOUNT THAT IS NOT SHOWING! My XXXX  XXXX is XXXX XXXX XXXX XXXX, My XXXX is XXXX XXXX XXXX XXXX, my XXXX XXXX is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: SECURITY FINANCE CORP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The installment loan with Continental Loans in XXXX, TN was opened XX/XX/XXXX and was paid off XX/XX/XXXX but is still reporting on my credit report with a balance owed. 

I have disputed this information with XXXX  several times and they refuse to update this account to paid. 

There is also another account with the same company opened XXXX XXXX. The account reports late XX/XX/XXXX but has never been late, I contacted the creditor and they confirmed as well this account was never late. THis account was paid off in full XX/XX/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 2019-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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 is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: CITIBANK, N.A.
State: CA
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:
Fill dispute for a payment I incorrectly made to my utility company. I did not put the decimal point and sent out extra money. Utility comp any advised me to call credit card to dispute it and it's been an on going process since XX/XX/2017. I've sent them all of the paper work they need and I keep receiving emails months later requesting the same information I've already provided citi dispute team.

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 2020-01-23
Company: EQUIFAX, 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. Inquires : 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 2020-01-23
Company: EQUIFAX, 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:
I am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  Equifax nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. In pursuant to Title 31 U.S.C. Sec. 3123 ALL DEBTS ARE UNITED STATES OBLIGATIONS! XXXX XXXX XXXX {$18000.00} IS IN VIOLATION of federal law in attempt to collect a debt they are also violation of The false Claims Act ( FCA ), 31 USC 3729-3733

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Experian Information Solutions 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:
I am writing about some accounts I previously reviewed on my credit report. XXXX XXXX XXXX XXXX XXXX I have reached out to the creditor, notified them that this account was not opened by me and I never used this account. This creditor has not removed this account off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the creditor, notified them that this account was not opened by me and I have never used this account. This creditor has not removed this account off 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 non-monetary relief
Consumer complaint received 2018-03-30
Company: Credit Plus Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I wrote a letter asking for proof of my paperwork and still have not received anything yet I do not recognize this inquiry To be mine approximately a year ago I had some fraudulent activity down to my account and I believe this is part of it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Radius Global Solutions LLC
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 XX/XX/XXXX, I disputed with the CFPB the XXXX XXXX XXXX account that was reflected on my credit report. XXXX XXXX XXXX at that time responded by informing me that they had instructed the credit reporting agency to delete the account. To date, XXXX  has not not deleted this entry. This was over 15 months ago. See attached credit report that reflects this account that should not be listed on my credit report. XXXX must DELETE this entry immediately and provide me a copy of an updated credit report that reflects such deletion. 

Further, in XXXX XXXX XXXX response on XXXX, they stated ( see attached ) that I would not hear nothing further from them in regard to this matter. See attached letter they sent me dated XX/XX/XXXX. I am considering this harassment and they owe me remuneration for violating my rights as well as explicitly stating they would not contact me again but yet they did. Both XXXX  and XXXX XXXX XXXX are blatantly violating my consumer rights and should be held accountable. This erroneous, inaccurate entry that is still reflecting on my credit report has intentionally affected and impacted my credit worthiness and both companies need to pay.

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