BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: LD Holdings Group, LLC
State: WV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Disheartened in Loan Depot. Poor communication and not knowledgeable. 
My husband and I are both retired educators in WV. Recently, we had pursued a mortgage loan with Loan Depot. None of the Loan Depot or Mortgage Connect Title reps knew what was needed, or when they did determine what was needed, could effectively explain in a timely nature what document we needed to file at our Court House pursuant to the closing date. My husband and I worked fervently with XXXX and XXXX at the last minute to have the correction made once it was determined what the Title Company wanted, but filing of this at the court house was six ( 6 ) days past closing date. We asked Loan Depot to extend the closing by one week as the breakdown was their knowledge of the situation at hand and inability to explain what was required. Initially and three months prior to closing, Loan Depot, XXXX precisely, knew nothing of what Mortgage Connect Title needed and most of the time would not return calls stumbling around with information that was of no relevance at all causing more delay. We went straight to Mortgage Connect and their agent was ineffective as well. We finally had an exact answer from XXXX but it was just a few days prior to closing and not enough time to file the document at the Court House. Loan Depot WOULD not extend a one week closing date for us at our request. We are sorely disappointed in how this was delayed simply due to not having the information we needed from them timely enough to move this forward. We are talking three months. Additionally, I forwarded much the same information here to Loan Depot 's CEO, XXXX XXXX just today. Thank you for listening to our concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: I.C. System, Inc.
State: TN
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 a victim of identity theft. I received a copy of my credit report and found a collection account opened in my name that does not belong to me. The collection account is I C Systems and the original creditor is XXXX XXXX XXXX. I have never had any accounts with XXXX or authorized any accounts to be opened in my name. This account is a result of fraud. I have previously submitted a copy of the police report and the FTC report to the CFPB and to all three of the major credit 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 2023-07-31
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The website does not allow you to raise the monthly payment allowing for faster payoff. They only allow you to pay the minimum monthly payment and you must pay additional amount each month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2022-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
Capital One Quicksilver Credit Card is still reporting to XXXX this account. I was only an authorized user and the report shows a missed payment. They were informed to remove me as an authorized user months ago! 

This missed payment reporting of a card in which I have no connection with is damaging my credit. Capital One knows this too! I want it removed immediately. I do not want a response that is meant to creditsplain to me how credit works, how their company works, or any other manner of deflection. 

I am asking that the CFPB mediate here and take action, not just close the case as done time and again. To be clear, the Quicksilver Capital One Credit Card is not mine, was reported so months ago, and I want it removed effective immediately from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: MD
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax 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 are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXXBalance Owed : {$16000.00} XXXX XXXX  XXXXBalance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$480.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX Balance Owed : {$24000.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance Owed : {$980.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX, XXXX and equifax are reporting inaccurate information in regards to my XXXX XXXX credit limit and credit card balance on my credit report. Please view the attachments... under the " FCRA '' I HAVE THE RIGHT TO DISPUTE INACCURATE /ERRORS/ FALSE INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: GMFS, LLC
State: LA
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: Problem with personal statement of dispute

Complaint:
I am a XXXX XXXX ( XXXX  ) that was affected by the government shutdown from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I  contacted my mortgage company, GMFS servicing loans to inquire about any forbearance options that they may be offering federal employees because I didn't have the resources at that time to pay XXXX mortgage. I figured that I was still within 30 days before any negative reporting to the credit bureau so let me call to see what options I may have. The representative informed me that they are offering a 3 month payment plan for XXXX XXXX. She went on to inform me that due to it being a Friday, my forbearance would be processed on XX/XX/XXXX. So on XX/XX/XXXX the mortgage company called me seeking payment. I explained to him that I should be in forbearance. He looked through the system and confirmed that he saw that I was in forbearance. On XX/XX/XXXX XXXX  's delinquency hit my credit report. At this point I am livid because I spoke with two reps who assured me that I was in forbearance until the end of XX/XX/XXXX. So I called GMFS on XX/XX/XXXX and the case worker stated " Oh yea you need to write us a letter indicating the amount that you agree to pay and sign and date it ''. This was the first time I ever heard of that. Had the representative on XX/XX/XXXX and XX/XX/XXXX informed me of this, I would have taken care of that. To summarize my issue, there were several occasions that the company failed to provide accurate information. The information provided was misleading and misinforming, but I am the only one that is being affected by their errors. I contacted GMFS escalation dept. on XX/XX/XXXX and explained the issue. He stated that he will pull the call and if the rep did provide inaccurate information he will have the negative credit reporting reversed. He informed me that he would contact me within 48 business hours. It is now about 55 business hours and I still haven't received a call. If you are able to review my credit reports you can see that this is the only company I have had issues with. I have a car loan, unsecured loan, student loans, and several credit cards and none of these accounts have ever reported me as being late/delinquent. Prior to this issue, my credit score was around XXXX. Since then it has dropped to XXXX. I am requesting that the XXXX delinquency be reversed and any months following until the forbearance/90 day payment plan is over.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: CORELOGIC INC
State: NC
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 have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer 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 2021-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax 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 are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To whom it may concern, I, XXXX XXXX, have been loyal bank of America customer over 16 years. Im writing this formal letter to notify Bank of America that my money was stolen from unauthorized transactions from multiple account. Total amount of {$7000.00} is stolen from my account. I didnt receive the service that merchant promised and I notified the merchant to return my money but no response. Merchant is conducting fraudulent activity. I have all supporting evidence and document from every interaction with the merchant. 

Account : XXXX. Account : XXXX Account : XXXX Amount : {$1000.00} Amount : {$3000.00} Amount : {$3000.00} Date : XX/XX/XXXX of 2023. Date : XX/XX/XXXX of 2023. Date : XX/XX/XXXX of 2023. 

Im humbly requesting to Bank of America to exercise my protection Regulation E Statutes 15.U.S.C 1693 to help me cover my loss of {$7000.00}. I trust Bank of America that it will do its all power to protect its clients from malicious individuals. 

Please do not hesitate to reach out if you need an additional document at XXXX or XXXX Sincerely, 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 2018-02-15
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have opened a XXXX XXXX rewards card in XX/XX/2016. Since then it has been transferred to collections. The last two weeks I have called so many numbers its making my head spin, just to get transferred to another center. Ive called two different debt services who say they dont have it and that it has been sent back to XXXX. I have talked to MULTIPLE XXXX reps and i have gotten literally nowhere. I can not pay off my debt. They tell me its closed. Everything is closed. But still owed. I am in desperate need of help. Its not fair I can not pay it and make it right.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-26
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted an error on my credit card account pursuant to the Electronic fund transfer act on XX/XX/2023 of the entire amount allegedly due. I didn't recieve confirmation until XX/XX/2023 that Navy Federal Credit union were reviewing it. I explained to them why my allegedly debt was in error. They ignored the EFTA by not crediting my account within 10 days and proceeded to take money out of my account to offset the alleged minimum balance due violation of the TILAct when in fact the entire balance including the minimum balance was in dispute and collection was supposed to stop as well as reporting my account delinquent when in fact it was subject to a dispute the moment they recieved my email pursuant to EFTA and the FDCPA. I contacted Navy Federal and advised them that they were violating the law and my rights by stealing my money and not folowing the law. I was told that they can take my personal funds out of my account because I ghave them a security interest. I never gave consent for them to take a security intertest they are trying to make me subject to their abusive and unlawful business practices. I never negotiated any terms to an agreement that they are trying to enforce upon me. They are guilty of abuse by taking unreasonable advantage of me through their unequal barganing power ( non-negotiable ) terms and conditions and my lack of understanding the conditions of this credit card product. Navy federal never gave me full disclosure nor was anything clear nor conspicous the security interest is stated in fine print on the second page of the unenforceable agreement they sent to me on XX/XX/2023. 
Navy Federal conducted a bad faith investigation into the error I sent to them by sending me on several different occasions conflicting information, no accounting evidence provided to substantiate their statements nor was verification given from any senior executive memeber in which I requested. I want to be made whole for Navy Federal abusive, deceptive and unfair business practices in violation of the FDCPA, EFTA, TILA, CFPAct which has caused me substantial injury in which I could not reasonable avoid myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2021-08-28
Company: EQUIFAX, INC.
State: NY
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:
In XX/XX/XXXX I disputed an account in the amount of {$3200.00} that was in collections to have been open fraudulently. It was removed from my credit report. In XXXX it was re-inserted to my credit report and I was not notified! This reinsertion has lowered my credit score and also started the illegal re-aging of this account. The account is now open and was last reported XX/XX/XXXX. I sent a certified letter to Equifax asking they remove this account from my report. I haven't received a response. Now the company is sending me letters to make a payment when I never received a letter stating this account would be reinserted!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: CITIBANK, N.A.
State: WA
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Managing, opening, or closing account

Complaint:
I have a Citi prepaid XXXX card that was part of a promotional " rebate '' program from some auto parts I bought. It expired XXXX 2016 and I lost the remaining XXXX {$30.00} on the card. I called to see if they would reissue, and the agent said they could do it once, with a new card that works for 6 more months. She said they would not reissue again. I told her that according to the CFPB site, prepaid card funds are good for 5 years. She replied " that was for gift cards only. '' I responded that the CFPB site says " prepaid debit cards '' are included. She said that the card was issued in a state with different laws. I told her I knew she was only reading off the screen, but Citi is wrong. I think they are operating outside the law, and likely a class action lawsuit is in order depending on the scale of the problem.

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