BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-03
Company: EQUIFAX, INC.
State: MI
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:
I am filing a second complaint against Equifax because incorrect information continues to show up on my credit report. As a result, this is causing me a great deal of anguish and frustration. Furthermore, it's causing me to have a low credit score which impacts my ability to get credit. I reported the same complaint on XX/XX/XXXX and the information with regards to XXXX XXXX remains on my credit report as being 120 days past due. The mortgage was modified XX/XX/XXXX which brought the account current and placed the account under my ex name. Despite my continued efforts to get Equifax to update their information they continue to reinsert incorrect information on my credit report. I would appreciate any help in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Navient Solutions, LLC.
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:
I sent a letter on XX/XX/XXXX to remove these incorrect name : XXXX, XXXX, XXXX, erroneous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, and fraudulent account : NAVIENT XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Us dept of EDU/XXXX XXXX XXXX  IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS.

* 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY

*15 U.S.C 1681 SECTION 604A SECTION 2:IT ALSO STATES CONSUMER REPORTING AGENCY CANNOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2017-09-11
Company: EQUIFAX, INC.
State: CO
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:
Equifax used my information improperly by failing to store it securely, willfully allowing an information hack that will affect me and millions of other credit users for the rest of our lives. They cut corners by saving information in plain text, compromising millions of involuntary customers who have no right to refuse service, increasing the company 's responsibility to protect its unwilling " customers. '' Furthermore, their response to their failure is unacceptable as they are offering ONE year of identity theft protection. This is a lifelong struggle caused by their negligence and they should be offering lifelong protection to all victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX these accounts have violated my rights. 

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.

Account Name. Amount 1. XXXX XXXX XXXX {$18000.00} 2. XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX XXXX. {$990.00} 4. XXXX XXXX XXXX. {$610.00} 5. XXXX XXXX {$480.00} 6. XXXX {$410.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-03
Company: Supreme Lending
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was under contract to purchase a new home with Supreme Lending. After the initial information requirements were met, I was told that everything was going great for the next 5 weeks and nothing was needed from me. Two days before my closing date I was given a huge list of " pre-approval '' items that were required in order to close and then told I was not going to close in two days and that we were given that information several times ... this was not the case, both myself, my realtor and the sellers had no idea we weren't closing in two days! There were multiple problems for the next 11 days until we finally closed. The biggest problem is that I didn't even get my final disclosures until Saturday evening when I was closing Monday morning ... those disclosures didn't even have the accurate amount of my closing costs of which I didn't receive until XXXX XXXX the morning of closing! This is a TRID violation! 

The amount of my closing costs increased at the last minute and the lender credits I was promised were nowhere to be found ... when I asked why my credits went from over {$2800.00} to {$460.00} ( which is why we increased my interest rate ) they said it was due to a lock extension fee and instead of charging me for it, they paid it with my lender credits ( essentially the same thing ). When I discovered what a lock extension fee meant I told them they were the reason my closing was delayed and they owe me this money, but I have yet to receive any type of response from anyone in their office. Had they done their job in the 6 weeks we were waiting to close rather than 2 days prior to closing, none of this would have happened! 

In the 11 days my closing was delayed, I was told I wouldn't close on this loan if I didn't get transcripts from the IRS in 24 hours ... this was impossible and I should have been told this was needed from day one, they told me I had to lower my home owners insurance premiums or I wouldn't close at all because they pre-approved me for too much, I was spoken to with incredible disrespect, ignored and not communicated with, given zero notice when they needed something at a specific time and then expected to leave work in order to fill those needs from my home computer and scanner, etc ... I have all email correspondence proving how awful this experience was and all the awful " used car salesmen '' treatment I was given. I called the owner of this lending office 3 times and left 3 messages ... my call was never returned. 

The owner of this lending company even admitted to my realtor that they dropped the ball on this loan, but I'm still being charged for their mistakes ... I want my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This company has not gone through the proper steps after repossessing my car. Which is causing credit issues on my credit report. This company repossessed my car in XXXX of XXXX and they have violated my laws as a consumer. As the consigner of the vehicle I had every right just as the primary holders. I have never received notice of right of redemption/right of reinstatement. I never received a time/place of where the auction would take place. I never received a notice of sale or post sales notices. However, they have posted a balance to my credit report that I have no idea where it has come from. I need help please.

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 2020-02-11
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:
XX/XX/XXXX. After reviewing my equifax credit report I noticed that i still had an old XXXX credit card on file that began with the following numbers ; XXXX*******.. It was closed on XX/XX/XXXX over 10 years ago and furthermore contains inacurate information which stated that it was opened 11 years and 7 months which is bizarre. 

I called XXXX credit card services and talked to an individiual and asked that this be removed from my credit report. She said that she could not do this because it was up to Equifax. When I Disputed this with Equifax, they told me that it was up to XXXX credit card services. 

I believe that both Equifax and XXXX are in non compliance wit the FCRA. PLease forward my complaint to both. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: JPMORGAN CHASE & CO.
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:
XX/XX/XXXX. After reviewing my XXXX  credit report I noticed that i still had an old Chase credit card on file that began with the following numbers ; XXXX*******.. It was closed on XX/XX/XXXX over 10 years ago and furthermore contains inacurate information which stated that it was opened 11 years and 7 months which is bizarre. 

I called Chase credit card services and talked to an individiual and asked that this be removed from my credit report. She said that she could not do this because it was up to XXXX. When I Disputed this with XXXX, they told me that it was up to Chase credit card services. 

I believe that both XXXX  and Chase are in non compliance wit the FCRA. PLease forward my complaint to both. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
After reviewing my credit report, I am upset to see the information that I have disputed are still can be seen in there. I can say that I am being ignored by your agency for not removing items as per my request, I do not grant you an authority to report versus 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 2022-06-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
After reviewing my credit report, I am upset to see the information that I have disputed are still can be seen in there. I can say that I am being ignored by your agency for not removing items as per my request, I do not grant you an authority to report versus me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
INACCURACIES ON MY CONSUMER REPORT. 
XXXX ACCT # XXXX Balance XXXX $ status open, last payment ( XX/XX/XXXX ) open date ( XX/XX/XXXX ), last reported ( XX/XX/XXXX ), ( XXXX ). 

XXXX XXXX XXXX XXXXXXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EXPERIAN ). 

XXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ), OPEN DATE ( XX/XX/XXXX ), ( INACCURATE ) LAST PAYMENT ( XX/XX/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 2017-09-12
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX XXXX admissions department aggressively recruited me. This complaint is of coercive, deceptive XXXX recruiting pitches that target the prospective enrollees. XXXX lied to me about the costs & transferability of credits, about job placement rates & earnings after graduation. The XXXX XXXX recruiter told me that I would be earning XXXX to XXXX right out of college. That was not the case. In fact, the first job I got out of college paid under {$10.00} hr. I was told that the schools tuition was much less expensive than other colleges in Tennessee when at {$44000.00} ( the cost of a XXXX XXXX XXXX at XXXX Tennessee campus ) I could have received a XXXX degree at a local college. The cost was almost 3 times as much as a comparable XXXX XXXX program. XXXX offered dismal to no job placement assistance. I would call & call & no one would call me back. I received emails from XXXX XXXX for job offers, but not in my field of study. They offered absolutely nothing related to my degree. One job I applied to on my own using a local job service told me that XXXX XXXX was a joke. I learned more skills on the job than I did in college at XXXX. I lost valuable years attending XXXX when I could have been earning a degree from a better school. This experience has strained my family relationship because of the XXXX of me & my mom repaying this debt. The repayment amount is going to require that I live at home because I ca n't afford to repay this debt with the job I have. It has ruined my financial life, my credit, & most of all they stole my potential professional future which I will never get back. Every single night I think about my part of this loan not to mention my moms part of the loan & how it has affected us as a family & our finances. I have lost & am still losing sleep worrying about repayment & how different it could have been had their promises of great job offers an income been true. This has had a greater impact on me since finding out I have a XXXX on the way ; It is even a greater source of stress in my life. I would like to join the group of individuals requesting a student loan forgiveness from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: CA
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:
I was affected by the Equifax hack based on the information on their website. This has caused me to setup credit alerts and has caused me undue XXXX. I consider my personal information highly sensitive and valuable enough to require the highest security standards to protect it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH ( formerly Ocwen ) has systemically and deliberately violated the California Homeowners Bill of Rights consistently during my loan modification process I am a owner occupied home owner - my family ( including my XXXX child ) live in our home thus the loss of my home via PHH 's illegal foreclosure would cause myself and my family irreparable harm and certain XXXX. PHH has maintained an active foreclosure date during the loan modification application process which is in direct violation of the Homeowners Bill of Rights - I have had a Trustee 's sale date hanging over my head which is bad faith business dealings and has cause emotional duress to me and my family. PHH has failed to credit payments and wrongfully charged me add-on products without my consent - insurance and escrow account - which has added to my loan balance. I have not be provided with an written itemization of said unauthorized charges after repeated requests. I notified PHH in writing ( within 5 days ) that the trial period plan payment was too high - based on my income documentation which I submitted to PHH via the loan modification application ; trial period plan payment exceeded my monthly income. PHH has not responded and the foreclosure date is still set for XX/XX/2020. I want to keep my home and will not lose it. I would prefer to work out an affordable loan modification payment as this is exactly what the intent of the Homeowners Bill of Rights was designed for. However, if this is not possible, I will bring legal action against PHH to protect my home and my family..

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 2018-07-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I tried to withdraw a sum of XXXX from coinbase on theXX/XX/2018, the withdrawal was supposed to arrive at my bank account on XXXX XX/XX/2018 but has still not arrived. I have contacted the company numerous times to no effect. I have not been given any reason or explanation for the delay. In fact as of now I don't know if I will ever see my money again. The customer service does not have a contact number where you can speak to anyone. The only communication I have had was 48 hours after I raised the issue. The response was that my case has been esclataed. 4 days later I have heard a single word from anyone. I am angry and frustrated and I feel helpless. This is not a fair way to treat anyone especially a customer that has helped the company make profit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX  ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 2 ALSO SRATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH MY ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-06-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a request to open a previously submitted CFPB Complaint # XXXX. I've received a follow-up from the originator of my refinance XXXXXXXX XXXX  regarding a previous CFPB complaint case made against XXXX and the follow-up read as follows : " XXXX reviewed the closing of this loan upon receipt of the complaint. XXXX found that the the loan was closed correctly. The error is on Investors side once the loan was sold and went into their onboarding for servicing. The investor was contacted and confirmed that they had received a complaint as well, which they are in the process of researching. XXXX XXXX, XXXX customer service manager, spoke with the borrower to inform him of this. The borrower confirmed that he was also been contacted by the investor & is aware that they are reviewing and will be providing him with a resolution. '' As previously brought to Penny Mac 's attention in my initial CFPB complaint case, it was Penny Mac 's responsibility to ascertain the taxes due on the loan before closing. I wouldn't have had any control the calculations and determinations of my final refinancing of my loan ; that's Penny Mac 's responsibility. Penalizing me and requiring me to augment my pay structure to compensate a sizeable tax increase on the error of Penny 's fault, should be on them and not me. If Penny Mac did it's job correctly, and had the proper XXXX  and procedures in place, they would have accounted for the tax increase prior to the closing and the final interest rates and payment structure. Due to Penny Mac 's failed actions, I had to adjust my refinancing after the fact and be financially injured to less than optimal payment arrangements than had Penny Mac accounted for the increase before closing the loan. Due to their error, I had to adjust my own personal finances to absorb this unexpected obligation. Typically, property taxes may change over time and that's by nature, but for this to have occurred soon after closing speaks volumes to Penny Mac 's credit and lending administration practices and procedures.

Penny mac refuted my complaint and buried me in technical jargon to escape blame of obligation to do their job. Shame on you Penny Mac. Using technical nonsense to explain why you are not at a fault to an innocent borrower is disgraceful and again is why we need agencies, such as the CFPB. Despite your conclusions, it is your failed processes that got me in this mess and it is your failed processes that has caused me financial injury and embarrassment by the local tax office.

Company response to consumer: Closed with monetary relief