BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I applied for the REPAYE plan in XXXX of XXXX. I was informed by Navient that my school had not updated my status in regards to my graduation in the end of XXXX. I called my school XXXX university and the problem was rectified and was informed by navient that my loans would be consolidated and after that my REPAYE plan would be processed. After this I did not receive any notification from them regarding my repayment plan until today XX/XX/XXXX. I was informed via phone call that my payments were delinquent. After I informed them that this was incorrect as I am currently a XXXX  XXXX, I was informed that my REPAYE plan was never processed and they told me that I never uploaded proof of income, which is false. As a student that year I was not working and after speaking with their representative at the end of XXXX of XXXX I was told to upload my proof of income, with my last job being in XXXX and I uploaded my pay stub to their website. After speaking with a representative today they sent a notification to my previous address, that I did not live at anymore and then was informed that they sent me a letter in XXXX of XXXX to my new address regarding this information that I did not receive. I was never called or emailed ( my preffered method of contact which I choose on their website ) and now I am stuck paying roughly {$7000.00} in intrest on loans that I would not have paid if my REPAYE plan had been processed. Again I uploaded this information in XXXX of XXXX and called again at the end of XXXX to confirm all my documentation was correct and I was told everything was correct and my documentation would be processed after my loans were consolidated. Not only was I deliberately misguided by Navients representatives they according to them only attempted to notify me once about this issue 4 and a half months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILLING U.S. BANKRUPTCY COURT 1XXXX not mine U.S. BANKRUPTCY COURT XXXX not mine

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 2020-08-03
Company: Experian Information Solutions 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2018-06-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have contacted Equifax several times now. By phone to their ID Theft / Fraud department. Also by email. By online dispute, by mail. Nothing is resolving the Identity theft that has occurred on my credit report that EQUIFAX Refuses to block. Per the FCRA you have a right as a consumer to request any fraudulent accounts and or debt collection efforts to be blocked if you are a victim of Identity theft. They have been notified of such accounts and yet refuse to block these accounts from my credit files, even though other reporting agencies. XXXX, and XXXX have already blocked the information.

I want the XXXX XXXX XXXX XXXX  accounts blocked. I did not authorize these accounts, i did not benefit from these accounts. You are reporting these inaccurately then advising me these are my accounts. Per my AFFIDAVIT I am a victim of ID Theft. As a consumer whom has been a victim i have a right to request the fraudulent account be blocked from my credit file. I am exercising this right.

Lastly there is a account from XXXX XXXX XXXX that i did not open. I also did not receive benefit from this account and discovered this account after my wallet was stolen and my ID was used to open this fraudulent account. Additionally all of the XXXX XXXX XXXX XXXX XXXX accounts are fraudulent. I did not open any accounts with XXXX XXXX XXXX XXXX XXXX. I have never opened an Auto Loan with them, Nor have i opened any credit cards nor a line of credit. All of these are showing as Charged off. These are fraudulent and i want them blocked from my credit file immediately. There is also an account with XXXX XXXX XXXX that XXXX XXXX has verified that is fraudulent since i have already reported identity theft to XXXX XXXX. They solved this with their Online Fraud Department and their Identity Theft Operations departments which verified i am a victim of ID theft and they stated they would remove it from my credit file immediately.

Additionally you are showing a XXXX XXXX  credit card. This was also opened fraudulently. I am working diligently with these Card companies. I want this information blocked from my Equifax Credit file per the FCRA requirements since i am a victim of Identity theft and i am providing you with a Law Enforcement Affidavit below. Please update your files immediately and send me a new credit report with the blocked information deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05
Company: PNC Bank N.A.
State: VA
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:
Lost high salaried job in XXXX ( recession ) and fell behind on mortgage payments financed with PNC. Applied several times for loan modification and loss mitigation options but denied each time. Finally, in XXXX, we had to vacate premises as we tried to sell the home for one full year without success and knew we couldn't make payments plus cure arrearage. In XXXX, we filed for deed in lieu of foreclosure with PNC and were approved. We had since moved out of the property and turned over to PNC. We received notice, in writing at our new residence, that the deed in lieu was delayed due to a water bill lien ( allegedly a {$69.00} unpaid water bill ) filed by the XXXX XXXX XXXX XXXX and we must cure the lien first to proceed. We obtained letter from the City stating there is no record of a water utility lien or outstanding balanced owed and we faxed it to PNC. I called PNC and was told they had everything needed to proceed and did not receive anymore letters, notices, emails or phone calls from PNC. About one year ago, I checked my credit report on line at XXXX XXXX XXXX and found that all three credit reporting agencies showed negative public record reported for foreclosure. We were told our home would not be foreclosed because there was ample equity which is why the deed in lieu was originally approved. PNC failed to adhere to proper legal notice and notification of their intent to foreclose. We were not served with writ to foreclose or provided with legal notice as per the law. We were no given the option to cure the deficiency before proceeding to foreclosure and now my VA home buying benefit can not be used again until I repay the VA {$70000.00}. I feel my credit rating has been damaged, my credit report is inaccurate and marred my creditworthiness and my VA housing benefit ( no down payment when buying another home ) has been denied me for future use until I repay the VA {$70000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: TD BANK US HOLDING COMPANY
State: TN
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:
XX/XX/XXXX- $ XXXX-unathorized charges XX/XX/XXXX- $ XXXX-paid in full not removed from credit report XX/XX/XXXX- $ XXXX-unauthorized charges and will not contact me XX/XX/XXXX- $ XXXX- not my account/fraud activity XX/XX/XXXX- $ XXXX- not my account, I had another one and paid in full XX/XX/XXXX- $ XXXX- paid in full and not removed from credit report XX/XX/XXXX- {$880.00} account was in a plan and paid from bank draft every month until paid balance down and it showed that I was late 30-60 days and was not

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello and thanks for your great service wish I knew all that early I would contacted you. I could not find any other option available to send my message so I chose this option, sorry. I lost my two Capital one accounts due to job loss inability to keep up with growing late fees interest etc. I had informed spoken to numerous account managers etc. About the time I called in my accounts were closed some 5 days earlier. To prose a payment plan XXXX per month on wax account was agreed by account manager back in early XX/XX/2019. I had explained to her I did not want to lose my accounts and hoped I could pay down the debt starting in XXXX. I requested her to send me a letter within new agreement she'd agreed I could pay the cards down and also agreed to lower the balance regarding the late fees etc. I was happy I had accomplished something here. But by the time XXXX came the letter she'd said she would send never arrived I was never contacted in writing or otherwise. I had an open relationship they in the past were open to talk and any other related my issues with work and any other issues. I was completely ignored it seemed. I don't want to get overly personal but dromedary I had revealed to them with work and other things Believe they could of handled this in a better way instead of lying and ignoring me. After we agreed to work on this account patient agreement. I don't know what you can do but I have more info and I was only acting to hopeful repair the accounts and debt with someone who identified her self XXXX the agent for Capitol One. Thank you again, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: M.A.R.S., Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have stayed in complete contact with the company. I do owe {$1700.00} and I've paid to where I owe {$1300.00}. I am having financial difficulties and I'm trying to make the paymens. I've have been threatened numerous times. They initially stated they would take us to court to sue us, they've also stated garnishment of wages. Then the person I'm working with literally states that she ever said anything to me. I'm so upset and over them threatening me. I would like to have this situation looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
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: Information belongs to someone else

Complaint:
From XX/XX/2018 I have been disputeing two account with Equifax XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX please note including your Method of Verification. I do notconsent to XXXX   or any means of automated verification. yet Equifax allowing XXXX XXXX and XXXX XXXX XXXX XXXX  to report Verfied over and over after a re- ivestigation. also Account on my Credit report not showing the Full acoount number is inaccurate .FCRA section 611 ( a ) ( 1 ) ( A ). FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .The credit reporting agency must give you the method of verification information within 15 days of your request.A third party database was likely used to verify the disputeditem automatically, which is insufficient. XXXX XXXX  and XXXX XXXX XXXX XXXX  File have not provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. i have also file a Identity Theft report with the Federral Trade Commission Report Number XXXX  and place a Fraud Victim alert on all my credit report. yet they file to remove these account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX  and Experian are still reporting public records information to my credit reports that their public records vendor has CLEARLY removed. Please see enclosed notice from 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 2021-10-08
Company: EQUIFAX, INC.
State: DE
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Self Financial Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
SF/XXXX  XXXX needs to update my credit report for XX/XX/2021. It shows on my credit reports Ive utilized 129 %. As of XX/XX/2021, my secured card shows a 3 % card usage. Im in the process of buying a house.Therefore, I need all 3 credit reports and credit scores to report accurately and on time each month. SF/XXXX XXXX  dont ever do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was approved for a FHA streamline home refinance loan with XXXX XXXX XXXX at a much better rate of 2.5 %. My current FHA home loan is with XXXX XXXX. On XX/XX/XXXX, XXXX XXXX  received and responded to a letter requesting the payoff amount for my current home loan ( see attachment ). 

On, XX/XX/XXXX I received a call from XXXX about the XXXX payment to which I informed customer service that I was approved for the FHA streamline and that the payoff for their loan ( i.e. closing date ) would occur by not later than XX/XX/XXXX. I was told that this would be noted to my account. 

On, XX/XX/XXXX I received another call from XXXX customer service about the XXXX payment. I informed the agent that we would were scheduled for closing on new home loan on XX/XX/XXXX. We did in fact sign all documents to close on the loan on XX/XX/XXXX. 

All closing documents were filed with the XXXX XXXX Clerks and a wire transfer for the full amount as given by XXXX for the loan payoff was sent on XX/XX/XXXX ( see attached document ). 

On XX/XX/XXXX I received a call from XXXX stating that I owed for the XXXX and now XXXX mortgage payment. I told them that the loan was refinanced and paid off on XX/XX/XXXX. The agent stated that the pay-off amount was incorrect and short by {$2100.00} which needed to be addressed. I told her that I would call XXXX XXXX  XXXX to find out if they are aware of this discrepancy. When I reached out to XXXX XXXX  XXXX they were totally unaware of this and was not informed by XXXX that anything had changed from the payoff amount that they gave them on XX/XX/XXXX. 

To date there have been many calls back and forth trying to get someone from XXXX payoff department to call back XXXX XXXX  XXXX to work this out. Messages have been left and none have been returned. 

I also just looked at my credit report and see that XXXX marked me as past due for 30 days!! This has had a negative impact on my credit score which now prompts me to solicit legal assistance to address this unwarranted damage to my credit score. 

We filed a complaint in the past about this company ( XX/XX/XXXX ) and the highly improper difficulties in communicating with customers and other businesses to resolve issues around how they have handled servicing our home loan. Now we find ourselves once again caught up between XXXX 's mismanagement of our loan via poor communication which has subsequently caused damage to my credit score. Please assist with helping us to resolve this issue and get XXXX on point to take the necessary measures to resolve the loan pay out discrepancy with XXXX XXXX XXXX and retract the 30 day past due status they reported to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect a debt I do not owe. Several other collectors had dropped this debt because its does belong to me. This company buys bogus debts and destroyed peoples credit. I have already advised them, but they still havent removed it from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: NJ
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 filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FRCA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. 
Please resolve this matter as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: 21ST MORTGAGE CORP.
State: WY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
i have had my mortgage for 7 years the last few months have be tough and i have had to use my grace period to make the payments. 21st mortgage corp will start calling and email both myself and the other person on the mortgage within the first day or so of entering the grace period. although we have spoken and responded to emails many many times that continue to call and email both of us an average of 4 times a day monday through friday. i have never missed a payment in 7 years and yet that call and email threatening to foreclose on us simply because we are in the grace period of our loan. all threats of foreclosure are made verbally. they will not send documentation. we have asked on several occasions that 21st mortgage corp stop harassing us as we always pay our mortgage and since then they now have 3 different people calling us on a daily basis. in addition to their constant phone calls and emails my father passed away last month and i had to travel out of state to handle his affairs. 21st mortgage corp showed no empathy toward my loss and simply told me they couldnt and wouldnt help work with me on the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I email a dispute to XXXX  XXXX  It has now been over 30 days enought time to do what I requested { they have not complied to anything, Enclosed is the affidavit 's that was sent with proof it was sent under FCRA they had 30 days to reply I request that the credit reporting companies remove the account at once. Experian still showing as XXXX  XXXX/XXXX  XXXX as owning account and XXXX is under collections they can not report both a clear violation I leave this in the hands of the CFPB to investigate and any and all documents in this matter going or coming will be forward to the CFPB

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 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/19 I disputed the XXXXXXXX XXXX XXXXXXXX account with Transunion and demanded a deletion. Transuinion verified that the debt was valid. XX/XX/19 I requested the method of verification from Transunion. They never provided the documents. They only updated the account was verified. I also requested validation documents from XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX did not provide the documents I requested. Clearly if they didn't provide them to me. They didn't provide them to Transunion. Transunion has failed to provide a throrough investigation of this account which is a violation of the FCRA.

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