BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 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 below. 

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 2020-06-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an alleged debt with Navient. Multiple private student loans. The last action by me on the loans was XX/XX/2020. 

Navient has included various false information about my loans over the last 5 years. First, they claimed that I was making intermittent payments on the loans so that the statute of limitations would be extended even though I was not. Then, they coded my loans as federal, not private, and therefore the charge off is still active even though the statute of limitations for my state is 4 years, and should be over now. 

I am unable to get a mortgage because of this. I have called them various times, they refuse to work with me and won't give me information about the coding of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have contacted LexisNexis via their email at consumer.documents@LexisNexis.com and provided them with authentication documents including my driver 's license, social security card, and a recent utility bill for my current address. I have attached them here as well. 

I am needing them to update my business phone number for my business called XXXX XXXX XXXX XXXX. The correct and current phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: EQUIFAX, INC.
State: CA
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:
Inquiries on report that are unknowing. Contacted companies and was referred to contact XXXX. When contacted XXXX customer service treated me rather poorly and I 'm now deciding to just file a full complaint here about my service and credit report. Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX An older one that I have contacted several times including by mail is XXXX XXXX. <P/>I had a freeze on my credit report for identify theft but I 'm not sure if it " expired ''. Please help me with these issues and inquiries as soon as possible as I would greatly appreciate it. Thank you very much in advance and I hope for a better response than the first reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1. On XX/XX/XXXX, I sent a certified letter to CHASE CARD, XXXX XXXX XXXX, XXXX, DE XXXX, disputing adverse information on my credit reports ( XXXX, XXXX, and XXXX ) that I was 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. 2. CHASE CARD signed for and received the certified letter on XX/XX/XXXX. 3. Under the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ), CHASE CARD was required by law to place a " notice of dispute '' comment on my account with all of the credit reporting agencies they report to within 30 days of receiving my dispute ( in this case by XX/XX/XXXX ). 4. On XX/XX/XXXX, well after the required 30 days, I pulled new credit reports from all 3 credit reporting agencies ( XXXX - Report Number : XXXX, XXXX - Order Confirmation : XXXX, Report Confirmation : XXXX, and XXXX - File Number : XXXX ), and noticed that CHASE CARD had never placed the notice of dispute comment on my account with the credit reporting agencies, as required by law. Therefore, by law, they are required to remove the adversely reported information that was in dispute. 5. On XX/XX/XXXX, I sent a new certified letter to CHASE CARD, XXXX XXXX XXXX, XXXX, DE XXXX, notifying them of their violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ), and instructed them to remove the adverse information on my credit reports ( XXXX, XXXX, and XXXX ) that I was 30 days late in XX/XX/XXXX and 60 days late inXX/XX/XXXX, as required by law. 6. CHASE CARD signed for and received the certified letter on XX/XX/XXXX. 7. On XX/XX/XXXX, CHASE CARD responded to me and stated they " can not delete the information from my credit report because it is correct ''. 8. Whether the information is correct or not is irrelevant at this point. Since they did not mark my account as in dispute on my credit reports within the 30 days as required by law, they must delete the adverse information. 9. To date, CHASE CARD has not deleted the adverse information on my credit reports as required by law for failing to mark my account on my credit reports as being in dispute within 30 days of my notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Dovenmuehle Mortgage, Inc.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased a beach front condo on XXXX XXXX XXXX XXXX XXXX of XXXX. Replacement of Beach Front property in Florida is less than the value of the property. To replace the Condo building with six units is around 900k, my  interior would be XXXX to replace. However the ACV value of the property for a beach front condo is XXXX. I put over 50 % down and financed through XXXX. We closed on the property and XXXX sold the loan to Dovenmuehle Mort Inc. We had problem from the start which is another story since they are very hard to contact anyone with authority. The real issue now is the condo association carries the flood insurance on the unit which was underwritten and agreed when purchased with XXXX. Since Dovenmuehle purchased the loan they have been demanding I buy additional flood insurance to protect their interest, IE pay off coverage. At first they bought a policy for the balance of the loan from a Carrier called XXXX for XXXX but the Carrier cancelled coverage within one day. I am sure they recognized with a replacement cost policy on the building this was a moral hazard by the finance co. The company continues to harass me to buy a flood policy when I have already provided proof the condo carries the insurance of which my association dues partly pay.I just got a letter today, dated XXXX XXXX XXXX that they again purchased a policy for their interest and may pass the cost onto me. My HO 6 policy for replacement of the interior is would only be XXXX, when I spoke with them a month ago they wanted me to buy a policy for over 100k, that conversation took place by phone with a rep and manager. When I asked to speak to the department head I was advised she does not take phone calls. Insurance does n't work that way but they do n't seem to understand. I never chose to do business with this outfit, now they are reunderwriting the loan. Pretty sure I would have backed out of it Dovenmuehle Mortgage was the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/XXXX, I received an alert from Experian about a new hard inquiry in my report from a company called XXXX XXXX. I have never dealt with that company nor heard of it before. I called XXXX XXXX and was not able to talk to any representatives, their phone lines seem to disconnect after several minutes of waiting. On the same day, I also called Experian and was transferred 3 times to different teams that handle disputes without actually getting help from any.

This is the 3rd hard inquiry that someone else has attempted on my report in the past 12 months and that I report to Experian without any action from their part. On XX/XX/XXXX I used the CFPB website to report 2 other hard inquiries that I did not initiate but that appeared on my report as well -- those inquiries still show in my report today. Experian has still not taken action to remove them. 

In addition to the inquiries, there is a phone number that does not belong to me ( " ( XXXX ) XXXX '' ), and a name that is not mine ( " XXXX XXXX '' ). 

I kindly ask that Experian removes the following hard inquiries and incorrect personal information : - XXXX XXXX on XX/XX/XXXX - Bank XXXX XXXX on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - Phone number : ( XXXX ) XXXX - Name : " 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 2022-02-15
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: Was not notified of investigation status or results

Complaint:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 30 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

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 2021-02-20
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with Freedom Mortgage and I feel there is something not right how they are handling my FHA loan. I have been paying on it for almost 7 years and payment is going up again for escrow. My pmi should be dropping off, but when I called last time, I was told 11 years. Yesterday told twenty plus years. I feel I am being ripped off. This fha mortgage was owned by another bank and Freedom mort. took over. I feel like I am getting taken advantage of. Payment should be starting to go down. Can you please check their business practices?

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 2021-09-21
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed these debts and the company has failed to validate these debts with the information that I have requested. They have also broken laws under the FCRA & FDCPA. I sent the company an invoice for the violations that they have broken as well as a affidavit of truth that has not been responded to correctly. I am now demanding all negative information be removed accordingly. I am attaching the documents in this file Company has violated my rights as a consumer/natural person under FDCPA law. I do not assume this alleged debt and I have made this known to them on multiple occasions. I am not giving them permission to furnish this debt on my consumer credit file. I have found this company violating my rights as a consumer. On many occasions I have giving this company 30 days to respond with the requested information and they have failed. I request my payment of {$19000.00} be redirected to me. pursuant to 1692 ( g ) ( a ) -notice of debt I had never received a letter notifying me of the name and address of the original creditor nor that if any portion of the debt is not disputed that it would be assumed which is in violation of FDCPA 1692 ( g ) ( b ) -disputed debts- I have notified in writing that all portions of this debt is disputed. As per 1692 ( g ) ( c ) -The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Duvera Billing Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have biweekly payments on an installment loan that is same as price if paid within three months. I made an extra payment toward the principal loan and so they stopped my agreement and started charging me 158 % interest on the loan immediately and before that were already charging me astronomical interest charges that were not in the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I canceled my XXXX account in XXXX I had not agreed to a new contract for XXXX years. I brought my last phone on line and paid cash. When I called to cancel, I was told I would have an early termination fee and I requested a copy of the contract I had agreed to so we could resolved the issue, and I never received the contract. I disputed the information on my credit report in XXXX XXXX and they said the information was correct but still has not provided the last contract that I requested to prove the debit was legit. Only thing I got from XXXX is a bill for {$380.00} with no break down of the charges. I understand that XXXX was upgrading their system here in XXXX NC but the lack of service and the constant drop calls were killing my business. I was with XXXX XXXX for XXXX years and dealt with a lot of changes but never pictured they would not give me the proof that I was under contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01
Company: CITIBANK, N.A.
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am writing this complaint because the company will not process the W-9 form that I have sent to them on multiple occasions.  I opened a Citi Priority account in XX/XX/2019.  In order to enroll in their ThankYou Rewards program, I was told that I needed to mail in a W-9 form.  This form would also enable me to avoid federal taxes being withheld from my interest income. (Each month, 24% of interest earned in my Accelerate savings account is automatically withheld.)  As a result, I completed a W-9 form and mailed it on XX/XX/2019, to the relevant address:Citigroup Technology, Inc.XXXX XXXX XXXX XXXX, SD XXXXSeveral weeks later, I called the bank and inquired as to the status of my W-9 form.  Citi said they never received it.  Thinking that it may have gotten lost in the mail, I mailed it once again in late XX/XX/XXXX.  This time, however, I sent it as a certified mail from my local post office. I have the tracking information to prove that the letter arrived at its destination on XX/XX/2019.When I called on XX/XX/XXXX to confirm that it was received, I was told that they have no record of receiving it.  This is the second time that this has happened!  When I pursued the matter further and asked for a case to be initiated, they gave me a reference # and stated that they would contact me with any updates.  On XX/XX/XXXX, I contacted them again because I still had not heard from them.  They are apparently still investigating the case with no end in sight.I do not live near any of their bank branches, so there is nothing more I can do.  I am so frustrated that, through either carelessness or willful neglect, they misplaced my W-9 forms.

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 2021-06-09
Company: EQUIFAX, 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:
I sent an initial letter early this year and sent a follow up email last month but received no response from the 3 Bureaus. I have 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. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Experian Information Solutions Inc.
State: CT
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: Other problem getting your report or credit score

Complaint:
I have placed a freeze on the Experian, XXXX  and XXXX and I am trying to remove them because I wish to apply for credit. 

It is ABSOLUTELY impossible to contact anyone by phone at Experian. I have tried for two days without success. I have gone through a myriad of choices on their automated phone center, without success.

If I could I would have nothing to do with Experian, however, since I don't have a choice than I feel that they should provide some way to contact them other than US Mail.

They offer no live chat, no email and no Live phone contact alternative. Every single option on their automated response fails to provide access to a LIVE representative and the options on their automated response fail to provide any effective relief.

Experian is the only one of the three bureau that refuses to provide the minimum of help in resolving any issues. I can not access my free profile to review my accounts, to place a freeze, to remove a freeze or to dispute an issue with a creditor. 

Their complete indifference to the public is tantamount to neglect and has or will have deleterious effects on my credit records and the credit records of the public at large. 

Despite the multiple phone number they provide, none of them will allow you to access a live representative in order to resolve issues that their automated service can not. 

This is a detriment to the public good and well being and Experian should be instructed to provide suitable live representative to address serious issues. 

You can't complain to Experian because they refuse to accept phone calls, emails, faxes or live chat. 

This is an impossible situation that I hope your organization will correct immediately

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 2019-10-09
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is the second time I have had fraud on this account. I called Suntrust and they told me the claim was refused because the MERCHANT said I had business with them. Suntrust never provided me with any documentation proving I had business with any merchant. I do not believe Suntrust did any investigation. 
The first time Suntrust claimed the fraud was out of the statute of limitations. It was not. 

Suntrust has a habit of not honoring fraud claims. The second case was done on the internet. I tried doing my own investigations but I could not locate the businesses. 
The case number is : XXXX. 
This bank needs to be investigated for their practices.

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 2017-12-30
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I put a box of credit card statements in the recycling and XXXX XXXX and XXXX claimed to own the accounts. For years my phone rang about ten times a day. XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX had a total of XXXX Small Claims Court cases. This law firm is going down my credit report Small Claims Court lawsuit after lawsuit. They spelled my name wrong and my only income is Social Security XXXX and {$100.00} state pension. XXXX XXXX is the plaintiff although XXXX XXXX was abusive. Both are under XXXX XXXX. I hear that XXXX XXXX buys data that includes your social security number. XXXX and XXXX put a lien on my condo for a XXXX gas card. I have countersued for {$5000.00} for abusive collection practices on a XXXX Credit card which includes calling my brothers and their families and the jobs I worked while XXXX. They have ruined relationships with my family and I lost my jobs.

Company response to consumer: Closed with explanation