BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Sallie Mae balance was XXXX in XXXX Last attended school in XX/XX/XXXX Navient balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2020 I sent a letter to all three credit bureau 's asking them to send me a letter of " Method of Verification '' as to how they obtained information about a bankruptcy on my credit report. In that letter, which I sent certified to each, I enclosed a copy of my DL, SS card, CCW license, and a copy of my lease. More than sufficient to identify me. None of them responded so I sent another letter with a copy of the first letter and my identifiers enclosed again on XX/XX/2020 asking if they would please respond. Still nothing from any of them. Then I called Transunion which was the only one I could get a human on the phone to talk to and I got a supervisor named XXXX. XXXX proceeded to tell me that even though they didn't respond in the 30 days per the Fair Credit Reporting Act, he wasn't removing anything from my file because the letter I submitted from the Bankruptcy Court stating they do not report to the credit bureaus - he would not accept because it didn't have my case number and the seal from the court. Clearly continuing to violate my rights under the Fair Credit Act saying that they are required to remove it from my credit report because they failed to respond in the 30 days. I then submitted a 3rd letter from the court with my case number and the seal on said letter plus all other additional letters and ID 's previously mentioned, again certified to all 3 credit reporting agencies on XX/XX/2020 demanding them to remove the bankruptcy from my credit report ASAP. I have still not heard anything! I am now in touch with an attorney to help me take them to court to have the bankruptcy removed. This is ridiculous. They have not responded in over 70 days to anything.

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 2022-01-05
Company: WELLS FARGO & COMPANY
State: NH
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:
Hello, I received THREE HARD INQUIRIES on my credit report that were NOT authorized by myself in writing,, nor did I provide any permissions to have my credit pulled on THREE individual dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

I have NOT applied for aany products from 'XXXX XXXX ' thru " Wells Fargo Bank XXXX XXXX Ive attached the snapshot from my credit report that articulates these fraudulent requests I need to have these removed from XXXX XXXX XXXX and 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 2020-06-28
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear SOURCE RECEIVABLES MANAGEMENT, I am a victim of identity theft, and I did not make open the account in reference. I request that SOURCE RECEIVABLES MANAGEMENT remove the account and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am complaining about Rise Credit. During the aplication process they leave the consumer in the dark. I was not in any way aware of the cost of fees and intrest I would be paying. I would of never consolidated my credit cards. Thier intrest is 198 % charging me XXXX dollars a day for a XXXX loan. I have made 2 payments of XXXX my loan amount has gone up XXXX in 2 weeks, even with the 2 payments. There is no way out of this loan. It is robbery. It is taking advantage of people in need of finances under extreme stress and despiration. This company needs to be shut down. My mother was able to loan me the money to get out from this. If I didnt have her help I would of ended up paying XXXX by the end of the loan. This should be illegle to charge that much intrest to the consumer. Rise needs to be put out of busniess.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XX/XX/XXXX, I contacted Loan Depot ( XXXX ) regarding my desire to refinance my current mortgage, which I obtained in XX/XX/XXXX. I spoke to XXXX ( their rep ) and told him that I live in Texas  and that my current mortgage is in my name only and I wanted to do the same again. I got married after I opened my current mortgage but because my wife 's credit was not too good, I want to do this loan in my name only. Shortly thereafter, I was told by Loan Depot to get my home appraised & to get a termite inspection. On XX/XX/XXXX, was home was appraised and I paid him {$470.00} out of my pocket & was told the cost of the appraisal would be reflected in the loan when I close. The termite inspection was {$65.00}. Today, XX/XX/XXXX, I was told ( by XXXX ) that because was income ratio was not good enough to qualify for the loan, I would need to pay off my step-daughter 's car loan, and I AM NOT even signed on that loan. XXXX indicated that because this was a federal or VA loan, they must consider my wife 's debts because Texas is a community property state. They ( the VA ) consider her debts against my expenses, but not her income. I should have been told this on XX/XX/XXXX, when I initially requested the loan because I told XXXX of my desires then. If I was told this when I applied, I would have cancelled the loan request & never paid for a home appraisal, or the termite inspection.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a complaint with all three credit bureaus. I neither never got a response or they concluded with XXXX XXXX XXXX. They didn't do their job with evidence that was provided. XXXX never sent any certify mail or requested that the loan was due or would be a charge off. Also the maturity date of the loan was in 2016 why didn't they ding the credit then. Also XXXX broke the loan agreement because the documents that I'll provide you doesn't mention anything that if that house becomes a 2nd home the loan wont be renewed if not primary. I have file a separate complaint against XXXX  Please review documents attached and other complaint.

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 2018-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attached my letter to this complaint in reference to TransUnion. 

They have failed to remove the inaccurate accounts that are listed on my letter. In addition to that- they have failed to re-investigate the account based on Section 1681 of te Fair Credit Reporting Act.

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 2021-03-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. ( Please see pages attached from my credit report for reference. ) The accounts are as follows : XXXX XXXX XXXX partial account number XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX - XXXX ; STATE COLLS - XXXX ; XXXX XXXX - XXXX ; XXXX : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These line items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When filing paperwork for a home refinance loan, I was advised not to open an escrow account because we owed money to our property taxes from a HERO loan for work done to our home and part of the refinance agreement would be paying off the HERO loan and the property tax bill would subsequently decrease greatly and therefor we wouldn't overpay our loan servicer unnecessarily. Once our refinance loan paid off the HERO loan, I requested the loan servicer pay the next tax bill from our escrow account. The property tax bill is due tomorrow, XX/XX/19. I submitted a written request with my updated/latest tax bill and insurance information as required on XX/XX/19. I called to check in several times and was notified I had submitted all documents properly and that the request would be escalated in order to pay the property taxes in time and to open an escrow account. After not receiving a response by XX/XX/19, I submitted another written request. By XX/XX/19, two weeks prior to the tax bill being due, I called in and asked to speak to a manager, who then told me he was creating a " manager escalation '' and that, again, I had accurately provided all documents requested, and that I'd receive a response in 3 working days. I received the formal response stating this on XX/XX/19. I have tried contacting the customer service and manager numerous times since that date, more than 12 working days past XX/XX/19 and am now going to have to pay the tax bill out of pocket tomorrow, on XX/XX/19.

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 2017-12-09
Company: Innovis
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir or Madam : I am writing to dispute the following information in my file about an HARD INQUIRIE I never made or no any thing about it the company is XXXX XXXXreditor Contact Details XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing of complaint about Transunion Credit Bureaus failure to delete an inaccurate, adverse account from my credit report. The account I am disputing is XXXX XXXX XXXX associated with account number XXXX. I do not recognize or owe the said balance on this account. The balance listed on this account is INCORRECT. Transunion has also failed to substantiate that the account is mine. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Transunion also has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Transunion has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified. I am requesting that Transunion delete this unverifiable account immediately 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 2020-06-24
Company: Ditech Financial LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My mortgage loan was transferred to new mortgage service in XX/XX/XXXX. The new mortgage servicer sent my documents to other 3rd parties but not to me. They refuse to communicate verbally and will not mail me my monthly mortgage notes to my home address. However they do send me unrequest home appraisals and charge me for them as well. 

In addition, their disputed owed amount is erroneous. It was erroneously claimed by previous the previous FIVE ( 5 ) servicers. I am disputing these maliciously erroneously claimed amount with previous service-rs in the courts. 

However, until this matter is cleared, this NEW COMPANY 's malicious and fallacious claims are ruining my credit, and the opportunity to get away from a usurious interest-only loan acquired in the XXXX to XXXX home financial crisis. 

I am paying an interest rate of 6.125 % and it will climb to 6.75 % in the next 2 years. I can not afford to continue to trow hundreds of thousand of dollars, for the next 30 years, just because they claim it to be so! 

Since XXXX of XXXX thru XX/XX/XXXX, I have paid in excess of {>= $1,000,000} dollars in pure interest because they purposely muddled my payment history in order to force me into foreclosure. 

I beg you, please review my document package, it list every cashed check from XX/XX/XXXX, to XX/XX/XXXX. Every one has been cashed by their respective holders withing a 30 day period of their receipt. 

I would welcome a little bit of justice, just enough to stop being ripped to shred 's by the viscous predators that this industry have become. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I 've been going back and forward with this company about this debt not belonging to me. They have started to contact me by phone, attempting to collect a debt not owed. After speaking with an attorney, I decided to see if this company is licensed to collect debt in Louisiana, but it turns out that this company 's status is " inactive '' in Louisiana. Louisiana requires a license to collect debt. Therefore, they should n't be attempting to collect a debt from me. This company is harassing me about a debt that I do not owe them. I ask that this company do not contact me anymore and REMOVE themselves from my credit reports. If this company can not provide me their license to collect debt in Louisiana or an agreement with my signature stating that I agreed to pay them and not another company then they should REMOVE this debt 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 explanation
Consumer complaint received 2018-04-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX is reporting an inaccurate late on 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 2018-10-06
Company: CITIBANK, N.A.
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:
In XX/XX/XXXX, someone attempted to add themselves to one of my  credit cards along with changing my address. XXXX XXXX emailed me and I closed the account. I then receive a letter from XXXX wanting information on a credit application. I contacted the institution in XX/XX/XXXX and closed the application process. They removed the account from my credit file. When I received my credit report because of these issues in XX/XX/XXXX, I noted an account with CBNA/XXXX, which I never applied for on my credit report. I contacted them and was advise I would get a letter to reply to it. Never received. I disputed the account with the credit bureaus ; however, XXXX will not remove the account after twice providing details to them. I put a credit freeze with XXXX since most of the issues appear to be related to their credit reports. I have also filed a dispute with XXXX. They are in the process of investigating my dispute. I have never visited a XXXX nor would I get a gas card from 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 2018-10-06
Company: EQUIFAX, INC.
State: WI
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:
I am making complaints about two separate issues. The first being the presence of 3 accounts that are inaccurate and the creditor has requested a tradeline deletion that Equifax has choosen not to honor. the following creditors have confirmed their submission of a universal data form requesting their tradeline be deleted from my credit reports : XXXX/XXXX brands, XXXX and XXXX XXXX/XXXX brands. The second being inaccurate payment history being displayed on my credit report for my student loans with XXXX. XXXX has repeatedly inaccurately reported late payments for the period of XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. During these period of time, I requested a forbearance for my accounts held by XXXX. The forbearance was granted and my financial obligation to repay the loans for those months was removed. Despite not being obligated to repay during those months they are reporting as late. I have requested copies of my approved forbearance requests and have only received copies for the XX/XX/XXXX year and am still waiting for the XX/XX/XXXX transcript.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: JPMORGAN CHASE & CO.
State: MI
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:
Someone keeps trying to apply for a chase card in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-06
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I have instructed Speedy Cash more than once to never debit my checking account for any reason. And today they debited my checking account for {$190.00} without authorization. Please see one email below I sent them : From : XXXX XXXX XXXX Sent : Sunday, XX/XX/2017 XXXX XXXX To : Speedy Cash Subject : Re : Payment Unsuccessful Notification Dear sirs, I instructed your representative twice specifically to not save my payment information after my last payment on XX/XX/17. Speedy cash is never authorized to save my payment information. If you have inadvertently please delete it from your system immediately! 

Last four of my social XXXX DOB XX/XX/XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation