BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: NY
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 would like Equifax to provide me with the documents I requested, it's all indicated in the attachment. I want them to also do their job fairly and legally, as per the FCRA Section 611 they are required to delete or update any information that they can not legally verify. They need to be held responsible for not following the laws. They are not above the law. I wish for any accounts they failed to verify to be removed from my credit report, they had more than enough time to investigate, even more than what's indicated in 15 U.S.C. 1681i which is 30 days upon the receipt of my letter. It's impossible for them not to receive any of my letters because I've written them multiple times. Additionally, as per 15 U.S.C. 1681c their reporting should have Indication of dispute by consumer AND UP UNTIL THIS DATE THERE IS NONE DESPITE BEING DISPUTED FOR MONTHS NOW! If possible, I also want to receive monetary compensation for all the distress and XXXX they have caused me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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 have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-12-04
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$960.00}, {$7300.00}, {$300.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

4XX/XX/XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$300.00} -This is not my account.

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 2017-04-21
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
After being guilted and begged, I reluctantly co-signed a student loan for a friend through  XXXX   XXXX . We had a falling out a few years later and she cut off communication and moved out of state. Some time not to long after,  XXXX   XXXX  contacted me about the loan being behind. I brought the loan current and was told that if I made on time payments for  two  years that I could be released from the loan. I made my payments but shortly before the  two  years w as up, the loan was transferred to Navient. At the end of the two years, I contacted Navient  and was told they have no such policy and refused to honor my agreement with  XXXX   XXXX .  Six years  later, I am still making payments with no end in sight an d Navient still r efuses to help me by going after  XXXX   XXXX , the primary loan h older. Navient could care le ss who pays the loan as long as they get their money.Navient should honor what  XXXX   XXXX  told me and release me from my obligation. I understand the commitment that I made co-signing but the intent was to help out here or there with a payment, not have the entire loan dumped on me. As far as I see it, this was a criminal/fraudulent act by  XXXX  and should be treated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received a letter telling me that interest in the amount of {$290.00} had accumulated on my account while my IDR plan was being recalculated. When I went to pay it online the amount was {$280.00} which I paid online. I have direct debit and it showed a withdrawal of {$280.00} which is my usual payment coming out on  XXXX / XXXX /  XXXX  . Then it shows a direct debit of {$270.00} AND {$550.00} coming out on  XXXX / XXXX /  XXXX  . I called today, spoke to  XXXX . First he told me I must have mixed up the amounts. I went over how I had a letter saying  one  amount and online it shows a different amount for outstanding interest which I paid. Asked why the direct debit on  XXXX  never came out. First he told me it was a weekend which should n't matter since it 's just direct debit. Then he told me I still have to recertify for an IDR plan. I said I have approval letter in my hand. Finally he determined that they applied the payment toward NOT the interest that had built up but toward the {$550.00} due for  XXXX  so the {$270.00} is what I still owe. This is not what I indicated I wanted paid. When I called earlier to ask how to pay this online I was told anything I pay automatically goes toward interest first. This was apparently not the case and impossible to see clearly on t he Fedloans  website and the person I spoke to in the call center clearly did not know what we happening and did not really seem to care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I recieved a notice from XXXX XXXX at the end of XXXX stating that my payment would change. In fact, my payment went from {$810.00} to {$950.00} per month. When I called XXXX and asked XXXX about the change, they replied that it was due to an increase in property taxes. I then called the XXXX of XXXX 's revenue department and was told that the taxes had not increased. I found that yhe previous owner had the XXXX exemption and I was never informed to apply for it. When I alerted Quicken loans to this fact, and informed them that I had applied for the exemption, they told me I should show them the proof that it was applied. I will not know the results until XXXX. In the meantime I am paying the same amount in mortgage payments that I would have been paying had I purchased a home a block over for {$150.00}. I bought my home for XXXX. Also, under the VA XXXX program, I was looking to refinance in order to do some updates on my home. Where other lenders were offering at least {$24000.00}, XXXX would only offer {$4300.00}. Now the invreadr in mortgage prevents me from taking advantage of a VA refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Pondered & later applied for credit to buy a car. I have outstanding credit scores from the " Big 3 '' bureaus. Was denied credit based on a report by XXXX ( now LexisNexis? ) Made request for credit report to determine problem. Letter from LexisNexis indicated " unable to process request ''. Made numerous phone calls... no response ; not one.

Letter from LexisNexis " encouraged '' me to resubmit credit report request. This I attempted, several times. EVERY time received the following response " An internal system error has occurred and we are not able to process your request. Please try again later. '' This has been over a 2-week period. 

I find this outrageous. Where is the CFPB on this? When I search the internet I find numerous complaints against XXXX. What's it take to get action on this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I have noticed my Equifax score is 50-60 points lower than my other bureaus. I then noticed that XXXX XXXX XXXX XXXX ( XXXX ) is reporting that my first date of major delinquency is reporting asXX/XX/XXXX and is still reporting as open. The account seems to be updating monthly as a new delinquency sinceXX/XX/XXXX This accounts actual first date of delinquency was XX/XX/XXXX and charged off. I disputed this information with Equifax ( see attached dispute ) and received the results as accurate oXX/XX/XXXXI called XXXX onXX/XX/XXXX and spoke to a lady in the dispute department. I very clearly explained my situation and was told it was an error through Equifax and not XXXX. I then called Equifax and was told the opposite and that XXXX verified the dates. I feel XXXX is using a new date of delinquency to negatively impact my credit score. The lower score has impacted me financially as I can not obtain reasonable rates or loans. I would like the negative information deleted immediately. 

Attached are three disputes through Equifax that were returned as verified. There is also an image where XXXX is reporting the first date of major delinquency as XX/XX/XXXX and as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Time Investment Corporation
State: NC
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
I took out a title loan on  XXXX / XXXX /  XXXX   with a company cal led Time Finance  located in  XXXX , NC. I ran into some financial hardships after completing  XXXX   XXXX   XXXX  , and was unable to find employment. As expected the company repossessed my vehicle. I have learned recently that they sold the vehicle at auction. When the loan was taken out they assigned a value to my vehicle that was more than the loan itself. With the repossession, I did n't fight it knowing that there was a balance owed that I was unsure would be paid. I assumed that the loan company could more than recoup its losses with the sale of the vehicle. I was not contacted to be notified of the sale, nor was there correspondence of the vehicle being repossessed. I just came out to find it gone. Later the agency reported to the credit bureaus that the account total was {$710.00} approximately. The entire loan amount was  XXXX  dollars, and at the point which payments stopped the balance was approximately  XXXX . The company, when contacted, told me that they sold the car for {$250.00} at auction, and that the actual balance on the loan was  XXXX  dollars. I fail to understand how they arrived at these figures, and feel that the company has taken advantage of me. They not only took a source of transportation without notice, but they left me unable to secure means to make good on the loan. My life was left in shambles, and now they essentially want me to pay the full balance on the loan, not including the damages and payment they 've already gained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: PLANET HOME LENDING, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On Thu r. XXXX -17 th  e Direct or for Planet  Home Lending  argued with me about getting someone else to help me refinance my house. They request for documents that I already sent them. and wanted a new loan officer which was denied by  District Manager  in Florida by the name of  XXXX   XXXX . He was VERY RUDE to me and when I told him that I was going to turn him in and his response was that he did not care.They have my packet with a lot of personal information. I was promised a refinance. My loan number is  XXXX .   Would appreciate you help. My name is  XXXX   XXXX   XXXX  any question please feel to contact me either by regular mail which is at this address   XXXX   XXXX   XXXX   XXXX   XXXX   Ind.  XXXX  or e-mail,  XXXX  I am  XXXX  yrs old and a  XXXX   XXXX  and my doctor said no  STRESS!    Thank you!   Thu rs.  X/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX checked my consumer report on XX/XX/2021 and I noticed some damaging information that was listed on my consumer report I then reached out to the agencies that were reporting the false information to correct the situation but they refused to do so

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 2021-06-14
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letters were sent to credit bureaus regarding this account not belonging to me due to lack of validation and there has been no communication regarding where this debt is from. The debt is not verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
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: Information belongs to someone else

Complaint:
There are two accounts on my credit report that are not mine they do not belong to me I have not applied, signed or used these accounts nor do I know how they got there. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Experian Information Solutions Inc.
State: OH
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 reported this to XXXX and Experian. This fraudulent account keep returning onto my credit report and it cause me to not close on my home. I would for this issue to resolved and removed immediately from my Credit report! I did file an FTC with a reference # 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 2021-12-10
Company: EQUIFAX, INC.
State: OH
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 reported this to Equifax and XXXX. This fraudulent account keep returning onto my credit report and it cause me to not close on my home. I would for this issue to resolved and removed immediately from my Credit report! I did file an FTC with a reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report says Santander Charged off a car purchased in 2015. I was XXXX  in 2015 in XXXX in the XXXX XXXX. This can not be my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Critical Resolution Mediation LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have a similar name as another individual and received a call from Critical Resolution Mediation located in  XXXX , GA. The representative was named  XXXX   XXXX . She asked me if I was the person she was looking for and I indicated that that my name is the same as someone else but the SSN does not match.  XXXX   XXXX  then proceeded to say " well you just said your was the individual '' and I answered " my name is the same but not the same SSN thus I am not that person ''. Well she then proceeded to represent herself as an attorney and called me a "   XXXX   XXXX   XXXX   '' and hung up. I proceeded to call her back and she indicated that " you will not get the last word '' and hung up on me again. I am concerned that this may be scammer trying to obtain information or a unscrupulous debt collector who resorts to name calling in order to intimidate people. This debt is not mine and representing yourself as an attorney when you are not is a threatening tactic. Please do something about these people as no one deserves to deal with a business that would use  racial  slurs to get their point across.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Greetings, I have a FHA loan serviced by Selene Financial Service. Four months ago I requested a loan modification as my our income has been reduced. Selene approved the loan modification, we called and explained that the payment is still too high because original payment was XXXX, the new payment was XXXX still over 31 % of income. we were advised that it was just a trial payment, the new monthly payment will be lower, when asked for the term, we were told, we will know the term once our loan is fully modified. in the meantime our credit is ruined, went to low 500s from 700s. the loan was reported to the credit bureau as a delinquent loan. we received a call today XX/XX/XXXX that our interest rate will go up from 4.0 to 4.5, and monthly payment will be {$2000.00} and they increased the month left to pay off the loan. So instead of help we were XXXX by Selene Finance. According to FHA mortgage letter, the loan interest rate will never go up, but should be reduced. I have been calling the lender, to no avail. We can not accept the new term that Selene is giving us because it will be detrimental. But we also are not able to bring our loan current because we are barely making it, that is the reason we asked for help in the first place. Selene was not straight forward, we were mislead into thinking that we were going to get help. That is predatory lending. Please help us solve this issue as we do not know where to turn. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation