BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-09
Company: EQUIFAX, INC.
State: GA
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:
Sir/Madam Equifax has admitted that my credit file has been breached. Equifax breach goes back for years. I know! Equifax keeps putting a freeze on my account for no apparent reason. XXXX XXXX XXXX. retaliated against me for saying I will file a complaint against them through the C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a XXXX XXXX Family Member.

They dont care who they XXXX over to save their brand. XXXX XXXX  is still with this trickery and foolery. I need to know what could be done to XXXX XXXX  and Equifax criminally. I told them I will file a complaint against them with the Consumer Financial Protection Bureau. Once I said that, they put that negative account on my credit file. This is unacceptable and unenforceable, and this is an unscrupulous attempt by XXXX XXXX   and Equifax against me.

They are only worrying about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals. I learned this the hard way after they were XXXX-bent on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. XXXX XXXX and Equifax has a strong dislike toward Veterans, and XXXX XXXX Family Members.

They are strongly aware that nothing will happen to them since they believe they are too big to fail. Please help this Veteran and this XXXX XXXX Family member. Please. I can not fathom why would they do this to a Veteran. I have fought for this Country. I come home and get squash by XXXX XXXX  AND EQUIFAX. They are castigating me for saying I would file a complaint. This stain is an illegal injustice. They put this blemish on my credit report.

My address is XXXX XXXX XXXX XXXX, Georgia XXXX. I have stayed at this address for the last fifteen years, and I paid my house off in 2012. I will include my deed to my house. However, they still put this mess on my credit. They need to get the right XXXX XXXX. There are over four hundred XXXX XXXX throughout the State of Georgia.

Why would they put that negative account on my credit file that doesnt belong to me, except mere retribution? I have faxed my credit report, two police reports, and F.T.C. fraud affidavit to them. They are too stubborn. They are too crooked to satisfy the consumer. They are too more concerned about their brand at the expense of Veterans.

Sir/Madam this company, and their employees should be penalized through the criminal justice system. Just imagine this, if they are doing this to Veterans, just imagine what they are doing to civilian consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We have been waiting over 5 months for PHH Mortgage XXXX Ocwen Loan Servicing XXXX, to provide to our County Clerk a " Satisfaction of Mortgage '' that should have been filed by Litton Loan Company ( Bought by Ocwen ) when we re-financed in XXXX. That was 16 years ago and now we can not sell our house. Litton never filed the satisfaction in XXXX and now PHH/Owen/XXXX are saying they need to file an " Assignment of Mortgage '', that was more than a month ago. I have had numerous emails and phone call starting XX/XX/XXXX, and to date they will not tell us who a " Third Party '' is and they will not tell us what they need from this third party. Every XXXX weeks they call to say the same thing, but no new information. The Escalation Department at PHH will not speak directly to customers, we can only go through a supervisor who says he was told only to email them every 2 weeks, if they have an update they will tell the supervisor. Our hands are tied with the County Clerk, only the mortgage company can file the Satisfaction of Mortgage and PHH has taken 22 weeks and has done NOTHING!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Aargon Agency, 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:
Someone has fraudulently been using my identity for XXXX XXXX. I disputed the aargon agency fraud but they refused to remove it and said it was accurate. I went to the hospital and requested documentation of the persons who authorized service at the emergency room and they refused and said they don't need to provide a signature or the original documents. I then filed a police report for fraud and sent it out to aargon agency, the hospital, and XXXX. They still refuse to remove it from my credit report. Please help

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 2020-06-03
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: Information belongs to someone else

Complaint:
This is the final time I am requesting that the account attached be deleted from my credit report. I am a victim of identity theft.

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 2021-03-04
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 2022-01-26
Company: Auto Advantage Finance, LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I had an auto loan through auto advantage finance. after trying to get them to work with me do to me getting sick with COVID and behind on my payment they repossessed my car right before Christmas. it then took them until XX/XX/XXXX for me to receive the letter showing what my options were in order for me to get my car back. they are charging me {$6.00} a day on top of the {$250.00} repo fee for a total of {$14000.00} ( keep in mind the {$6.00} is continuing to accumulate each day they still have the vehicle.. so now by this time that i know what my options are I apply for refinancing through open roads lending. i got approved by them based off of what reflected on my credit report showing what the remaining loan amount was {$13000.00} ). after receiving the payoff amount from auto advantage finance I then get a letter saying that I was denied due to Loan value exceeds program requirements. so now i only have until the XXXX of XXXX to payoff the full amount in order to get my vehicle back and today is the XXXX. even if i apply for through another lender there isn't enough time to go through the process and be able to get my vehicle. along with this they also continue to send me emails trying to deduct my payment from my account every two weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It is very rough in these troubling times, when its so hard to make ends meet to be a victim of identity theft ... .more so being a woman, and a single parent, trying to make a better life for me and my Kids its very tough Now that I'm Ready to buy a house I cant Because someone Stole my Identity and this isn't fair that someone Stole my personal Information. I really Need this Situation to be Resolved

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 2021-02-01
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please see complaint XXXX submitted on XX/XX/XXXX for historical data. 

I am attempting to refinance and the new lender informed me that the mortgage was not reported on my credit report. I contacted ShellPoint numerous times for resolution. They sent me a notice on XX/XX/XXXX that the error had been corrected. 

I verified with 2 of the CCB 's that the loan was now reflected on my credit report. 

In continuing with the Re-Fi I am now told that ShellPoint will NOT release the payoff information because I am not on the loan - yet they are reporting the loan on my credit report. 

I signed all of the documents at closing. The home is titled to : XXXX XXXX AND XXXX XXXX, Husband and Wife, AND XXXX XXXX, UNMARRIED, AS JOINT TENANTS WITH RIGHT OF SURVIVORSHIP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Reporting duplicate that on my credit reports the collection agency purchased this debt from XXXX XXXX XXXX in 2015. They have duplicate items one of my Trans Union and one of my 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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-19
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-25
Company: Experian Information Solutions Inc.
State: AZ
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:
A complaint was sent to Experian to investigate inaccuracies on my consumer report on XX/XX/2023. 
The investigation is more than 30 days According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights. 
Update this accounts as paid in time. XXXX ; XXXX XXXX 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 explanation
Consumer complaint received 2022-01-26
Company: Home Point Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This happened several times over the years, with the most recent experience happening in XX/XX/XXXX. 
I made a large payment with a note to put the payment towards principal only. 
Instead the payment got distributed towards some principal and some interest. They also pre-paid my regular monthly mortgage payments several months in advance. 
I called to have this be moved all to principal. Was told its going to get done. Had to call a 2nd time b/c prior action was only partially done. On this 2nd call, I learned that the company instituted a policy that an account has to be pre-paid 2 months in advance before any large amount can be out towards principal only. Apparently they did this policy change in XX/XX/XXXX, but the agent wasn't sure. 
This was not communicated to me when the policy was changed. Nor was it mentioned during the 1st call I had to make to correct the issue. 
And more importantly, can they actually make this policy? Should I be able to put money towards principal? Especially when my account is paid up, I have no late payments, and in general good standing. 
The misallocation of funds to principal only, when that is a clear request on the funds being transferred and multiple times required to follow up to correct the issue is problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
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:
Portfolio Recovery has entered incorrect dates for a balance they purchased from XXXX XXXX more than 5 years ago. Ive sent numerous letters in XX/XX/XXXX offering to settle the balance for 3 different accounts. Ive received no answer. I demand portfolio recovery remove this from my credit report due to age. They constantly update and change the dates the account was opened. Latest update shows XX/XX/XXXX when opened. I did not open this account as of the date they allege. Ive asked for documentation with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Solar Mosaic LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Made a loan through XXXX XXXX to have solar panels installed on my home. Mosaic has already paid XXXX XXXX although I reported to them that they had not completed the contract!!! Their contracted company, XXXX XXXXr has already violated my contract by not having my solar system installed and with permission to operate within 90 days. Numerous Failures by XXXX XXXX wiring issues Faulty panels, solar system not installed to contracted plans, documents and designs XXXX commissioning failures and I am out of {$20000.00} due to Mosaic paying company BEFORE CONTRACT WAS COMPLETED!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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:
I have an auto loan with XXXX XXXX XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Credit Bureau with no successful resolution. There was definitely an error on their part. 

XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We had a loan with chase, and we ended up in pre foreclosure. They started the foreclosure process, but we sold it before it was finalized. XXXX county public documents show we sold it to an individual. Foreclosure is defined as sold at auction. But this did not happen. We sold it before hand. But on our credit report it says foreclosure paid. Which is not the case. We have contacted them, and they will not remove or reword it correctly. So as we are trying to get another house 2 years after the fact, it is being denied due to a foreclosure. We need this removed from our reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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:
We want this off our account. The debt is really over. It was in 2016, we had flooding, that was caused by a faulty toilet flagger. We had been dealing with this toilet for many years. Landlord would send out individual to fix the toilet and we would deal with issue with this toilet over and over. After a couple of year of dealing with the toilet needing to be repair. I asked for a new toilet. They would not replace the toilet, just fix the same one. We want this taken off our credit report, it is not on XXXX anymore. This debt is really over. Please take off our credit report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Collins & Hilton Asset Group, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to complain about Accelerated Inventory Management , LLC ( " AIM '' ), a XXXX debt collector that obtained my credit information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ) without my consent. " AIM '' used that information as an attempt to threaten in the form of a lawsuit for amounts notated in that information. I sent " AIM '' a letter of validation and requested information related to the validity of their allegations since I had never heard of them nor had any prior contact. They did not send back anything that substantiates their claim that I owe them the debt in which they are threatening to sue for, only doctored copies they obtained in the apparent transaction of my information. This is fraud on multiple levels and I demand an investigation into these unfair practices that deceive consumers such as myself. 

These are the specific violations of U.S. Code committed by " AIM '' : 15 U.S. Code 1681b ( d ) ( 1 ) ( A ) : AIM obtained my credit information from Lending Club without my consent.

15 U.S. Code 1681c ( 1 ) : AIM did not send me a written notice of the alleged debt before threatening to sue me.

15 U.S. Code 1681c ( 2 ) : AIM did not validate the alleged debt before threatening to sue me.

15 U.S. Code 1692e ( 2 ) : AIM used false, deceptive, or misleading representations in an attempt to collect the debt by sending doctored copies of documents.

15 U.S. Code 1692e ( 10 ) : AIM used threats of violence or other criminal actions to attempt to collect the debt.

18 U.S. Code 1028 ( a ) ( 7 ) : AIM committed mail fraud by sending doctored copies of documents through the mail. 
Specific Examples of Unfair, Deceptive, and Abusive Practices : To summarize : AIM obtained my credit information from XXXX XXXX without my consent. 
AIM threatened to sue me for a debt that I do not owe.

AIM did not send me a written notice of the alleged debt before threatening to sue me.

AIM did not validate the alleged debt before threatening to sue me.

AIM sent me doctored copies of documents in an attempt to collect the debt. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: MO
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief