BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine.  None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : 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 2017-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am being evaluated for a modification to a home equity loan I took out with Countrywide Mortgage proceeds used to pay medical bills for my XXXX XXXX XXXX. 
The loan I now know was a predator loan set up with variable rates based on the Prime rate. 

The loan was serviced by XXXX XXXX, XXXX who knew of my hardship and financial situation but never reached out to me to help during the time of the Making Home Affordable Programs nor would they provide the amount of the reset payment. I filed CFPB complaint # XXXX. My loan was transferred shortly after to be serviced by the Bank of America. At the time of transfer my rate was B 7.50 % which carried over to the Bank. 

It was very slow going with the Bank and I was not getting any answers to my inquiries so I filed CFPB complaint # XXXX. I have been working with a Customer Relations Manager ( s ) from the Bank since my complaint and provided them with the documents they requested. I am VERY CONCERNED about the outcome as their staff are questioning the documents and saying ; 1. The XXXX I submitted was not signed or legible, and was rejected by the IRS. 
When a financial friend submitted the same XXXX to the IRS, he received the tax transcripts the Bank needed. 
2. I submitted completed tax forms for the last tax year. My signature on the forms are being questioned because it different from my signature on previously submitted documents. Well ... I have a XXXX XXXX that causes XXXX XXXX, sometime not being able to XXXX XXXX XXXX XXXX. 

For the past two month I have not received my loan statements. I was not aware of the increase in my monthly payment and interest rate. There had been no increase in the Prime rate. So I called customer service to ask why the increase. I was given a reference #, told to fax my dispute to the Rate Dept. ( XXXX XXXX ) and call back the following week. 
When I did I was told the rate was where it should be. ( see attachments ) My rate had increased to 7.75 % from 7.50 %. I was never informed all this time of the increase. Prime had not changd so I continued to make the payments at the same amount as the previous months. 
This now reflects on my credit report as late. 

Now I know why at the biweekly phone conference why the CRM always asked had I made my payment just before he spoke about the new documents I needed to forward the Bank. 
I was in arrears, did n't know it and no one was telling me. I did n't have access to it online.

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 2018-04-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When my mortgage loan was taken over by the new servicing bank ( Fifth Third Bank ), I immediately signed up for electronic notifications via e-mail for new statements. That was XX/XX/XXXX and since then, I have never received an e-mail, text, or phone app notification when my statements were ready for viewing. I've repeatedly reached out to the company for resolution but have yet to be provided with any. Furthermore, the statements are generated on a random cycle without change to the payment due date. This leads to an unreasonably short window of time to make the payment for the amount listed on the statement. Below is a history of statements.

- Statement generated onlineXX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date ofXX/XX/XXXX - Statement generated onlineXX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXXfor a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX- Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX.

- Statement note yet generated for a payment due date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Experian Information Solutions Inc.
State: CT
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:
computer base system pre approve me for a credit limit then decline my application

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 2020-10-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed and sent in all correct information with supporting documents and this still has not been resolved. How can my issues not be verified if I sent in everything pro being who I am and the correct information?

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XX/XX/XXXX, I purchased a brand new XXXX XXXX from XXXX XXXX in XXXX MD. It was financed through Wells Fargo. In the summer of XXXX, Wells Fargo repossessed my vehicle. I went to Wells Fargo bank XXXX XXXX MD, and explained my situation and offered to make a smaller payment and asked if they could lower the payment. We were told by the loan officer that they would not listen to our request and that in order to get the car back we had to make full payment and that payments would remain the same. I had contacted them months before the repossession asking for some leniency on payments and was greeted with basically " Too Bad, you signed the loan you pay the amount owed ''. Then after the repossession was finalized they continued to ruin my credit and sending me bills for the remaining amount owed even after the vehicle was resold.

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 2020-10-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed and sent in all correct information with supporting documents and this still has not been resolved. How can my issues not be verified if I sent in everything pro being who I am and the correct information?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with XXXX  XXXX XXXX. I have a XXXX XXXX   and because of covid-19 I have trouble with getting parts and having my workers to work. XXXX has told me I can avoid mortgage payments due to the virus. Now I have received a bill for XXXX . This does not include XXXX 's payment. I can start paying the monthly amount of {$1300.00} on XX/XX/XXXX .The amount owed for missed payments ( as I understood ) would be added to the end of the contract. I need this to happen. Thanks XXXX XXXX email : XXXX. Property Address : XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Fay Servicing, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchase my single-family home in XXXX for XXXX. It was refinanced in XXXX ( victim of sub-prime lending practices ) loan was serviced by XXXX from XXXX in which qualified and was accepted in the ( HAMP ) program. In XXXX, XXXX XXXX  sold mortgage to XXXX XXXX XXXX ( who forgave XXXX ) of the debt through the Mortgage Debt Forgiveness Act .In XXXX XXXX sold my mortgage to Fay Servicing LLC ( who was recently sued by your agency for consumer 's protection violations. ) Fay Services arbitrarily and without notifying me in writing changed the terms of mortgage to an adjustable rate mortgage set to " balloon '' in the next few years with a mature date of XXXX. I have already invested 22 yrs. and with this loan rewrite it's like starting all over again. I'm XXXX years old and XXXX with SSI benefis as my only source of income. Can Fay Services do this? Do I have any other options? Was the HAMP program in force when it was sold by XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: WA
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:
This is a new complaint as a result of a previous investigation failing to address my complaint. # XXXX I asked that the credit reporting agency provide me with the company name and methods used to verify that a bankruptcy on record is correct. The US Bankruptcy Court does not furnish this information, which indicates the company used a third party. I have a right to know this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. It needs to be 100 % accurate according to the fair credit reporting act and they have not provided such documentation of verifying.

I strongly believe the person responsible working on my investigation has been failing to work on its due diligence responsibility and has not been up holding the Laws violating the FCRA on many different sections for non compliance. 

Equifax werent able to verify it and I attached my proof of results marked deleted for this account # XXXX so why is it still reflecting marked as paid and closed on my last update credit report that was sent by the USPS. 

Lastly i never file bankruptcy for account # XXXX that is inaccurate information and must be deleted under the Fair credit reporting act. This account with XXXX XXXX XXXX  should be listed under investigation under bankruptcy fraud Title 18 U.S.C. 157 ( 3 ) because i never filed or included that account on my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
-New Complaint Process Relating to Response-SN Servicing Corporation- The steps the corporation has taken or are taking moving forward to address complaint, XXXX : It appears that SN Servicing Corporation has and or will be taking to address this complaint thus for has been discouraging, unprofessional, and illegal. 
Therefore, I am submitting another complaint currently. Since XX/XX/2019 when the first complaint was submitted to XX/XX/2019, I have received treating and suspicious phone calls and voicemails to my mobile device, main number and my XXXX recorded line, which I only gave to the Asset Manager of the loan. I have received suspicious mailings to my home address. Also shockingly a few mailings from SN Servicing Corporation ; with incorrect documentations concerning the load, unofficial letters of the companys foreclosure specialist, escalation of monthly statements ( monthly statements received only a week apart ), with incorrect transactions printed, and a returned monthly payment which should have been posted to the loan for XX/XX/2019. 
I will submit supporting document for this complaint this week. 
On each letter it states that should I have any questions call the Asset Manager assigned to the account. The last phone contact I had with the Asset Manager was unproductive a few times the individual was communicating in a yelling tone. I was told we could not discuss anything further unless we discuss including the XX/XX/2019 payment to be made to SN Servicing Corporation. This home servicing corporation did have access to the loan until late XX/XX/2019. XX/XX/2019, I received the documented time of transfer which is XX/XX/2019. 
I received an account number on XX/XX/2019 and was told over the phone for a SNSC customer service department that I would not be penalized for a late payment at this time and that SN Servicing Corporation must secure the complete file from the previous mortgage servicer and an account number had to be applied to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a letter from American express on XX/XX/XXXX requesting information on people I had talked to in regards to the charge to my account from XXXX   The letter was dated XX/XX/XXXX. This is the first time I have ever received this letter.

I responded the next day XX/XX/XXXX by faxing this letter. American express closed my case without ever responding to me. That is very unprofessional.

American Express Dispute reference # : XXXX  Account ending in XXXX  Fax # XXXX Dear American Express Today I received a letter Dated XX/XX/XXXX advising me that you need to know the people I spoke with regarding the {$9000.00} charge to XXXX. Why Im receiving this letter a month and 2 weeks from the posted date I am very concerned about.

Here is the list of dates and names of employees I spoke to from XXXX. I have already submitted this information, but I will send it again. I could never speak to the owner, the employees shielded her from me. The calls to XXXX XXXX I demanded my money back because nothing was working the way the owners had explained. The software didnt work. The promises made by the owner was not happening. The wholesalers list was not accurate or complete, etc. etc. etc. She tried to apease me and talk me out of getting my money back because it was past the 3 days given by law to get a refund. I expressed to all the others that the system provided by XXXX  was not working. By XXXX of XX/XX/XXXX I gave up complaining and expressing dissatisfaction.

XX/XX/XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2019-01-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian is reporting inaccurate information on my file. I have sent correspondence and have contacted them via telephone on numerous occasions to have same corrected. The company is willfully and negligently non-compliant.

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 2021-03-31
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have repeatedly asked Navient for validation of this debt. I have never acknowledged the debt as being mine and neither has Navient. Letters were sent out XX/XX/XXXX. It was received by Navient on XX/XX/XXXX. No response from Navient. The next letter was sent XX/XX/XXXX. Letter was received by Navient on XX/XX/XXXX. No response. Next letter was sent XX/XX/XXXX. Letter was received XX/XX/XXXX. No response. In the letters that they have receipt of, I also asked them to cease and desist any communication ( including phone calls or electronic ( email, text, social media ). I did permit communication via US postal mail. They have blatantly refused validation and have ignored my request to cease and desist any form of communication except for US postal mail and have called me 121 times since XX/XX/XXXX. Sometimes 6 or 7 times in one day. 
On XX/XX/XXXX, I have mailed them an Affidavit of Truth, asking a final time to validate that this debt is mine by sending me the original contracts with my wet ink signature between myself and Navient. They still continue to call me throughout the days and just Monday, XX/XX/XXXX threatened me with XX/XX/XXXX is my " last chance '' to respond. However, I have been responding since XX/XX/XXXX. 
In the packet, that I sent XX/XX/XXXX, I have listed every violation as it relates to Navient continued harassment, non-validation of this account, inaccurate reporting to credit bureaus that is harming the reputation of my natural person. They have reported this account to the credit bureaus 4 times saying that the payment is late. They sent me a letter on XX/XX/XXXX saying that they conducted an investigation with the credit bureaus saying that the information they are reporting is accurate. What was included in the investigation? Who conducted it? Why don't I have any information from them as I requested in my letters I sent to them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is what I was requesting that they mail/send to me. Instead, they are reporting me as delinquent without showing me proof of anything. 
I also have strong reason to believe identity theft has occurred as I believe transactions have occurred using a credit card in my name by someone affiliated with Navient and now they have turned around and reported negative remarks on my consumer credit file fraudulently. 
The entire packet that was mailed to Navient on XX/XX/XXXX is attached.

Company response to consumer: Closed with explanation