BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have kept in touch with my lender over the span of my loans. Recently, my lender has reported XXXX late payments for the months of XXXX XXXX, XXXX XXXX. These alleged late payments are also being reported negatively to the credit bureaus, when in fact I have requested before these reports that a forbearance be granted due to the fact that I have been enrolled in education towards my professional development as well as in the teaching profession since XXXX. According to the Office of the XXXX, if I am performing XXXX, and have been active in my professional development, I qualify for a mandatory forbearance. I have called my lender throughout the years to advise them of my XXXX status in a high need area while being a highly qualified XXXX. They have neglected to report my account accordingly, even though I have communicated to them about this error, they insist on not retracting these late payments that should have been under forbearance. As I pursue my options for repayment, the delinquent reporting is hindering my progress to pay off these loans satisfactorily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this CFPB Complaint once again to request that you remove the disputed fraudulent accounts you have been reporting on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. I previously sent you a disputed letter dated XX/XX/ with complete attachments of my personal documents as well as the ID THEFT REPORT I received from the FTC. I am now requesting to you once more to remove the following accounts and information off of my Credit File : XXXX XXXX Balance : {$120000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$8200.00}. If you believe that the disputed accounts belong under my name, I request of you to please send me copies of proof of verification or any documents supporting your claims that the disputed items are mine. If you can not find not provide any documents needed for the accounts ' verfication, immediate deletion of the disputed accounts will be appreciated.

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 2017-01-20
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Mortgage Loan serviced by " Selene Finance ''. I tried for about XXXX Years to get a HAMP Loan Modification. The Loan changed hands of Servicers but my application was declined multiple times. 
I was so frustrated with the process that finally I applied for a Short Sale in XXXX XXXX. This process went on for over a year .In fact the Buyer Offered more than a full offer but they declined the Offer. The Loan outstanding is about $ XXXX. The Buyer progressively increased the offer and his final ALL CASH Offer was $ XXXX. But demanding $ XXXX, Selene Finance declined the Offer, strangely Now, they have scheduled an Auction of my Property on XXXX XXXX, XXXX. I am left with no option but to re-instate the Loan or lose my house in Auction. I got their re-instatement quote of {$220000.00}, only yesterday, although I have been following up through my XXXX XXXX for about a month now. 
I am working very hard to arrange this sum. As it is a very large sum of money, I request your good selves to arrange to postpone the Auction by 1 more month, so that I can arrange this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America claims the modification document states that the loan payments must be paid in the month for three months. The documents do not state that they can not be paid early, paid all at once or define how the payments should be made other than XXXX payments for XXXX, XXXX, XXXX. XXXX XXXX went as far to say on a recorded call that they should be made on the first of each month. I have now paid XXXX payments and am going to make my XXXX to be sure the modification goes through. I have attached my back up documentation.

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 2015-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
XXXX tellers to assist all customers on XXXX of the busiest days of the year, XXXX XXXX XXXX XXXX. Waited more than an hour to make a withdrawal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was created fraudulent. And this is not my name nor does this account belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance of the Fair Credit Reporting act XXXX  Account, has violated my rights XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX Chapter XXXX bankruptcy petition 15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Second 2 : It also states a consumer reporting agency can not funish a 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 explanation
Consumer complaint received 2016-03-18
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Chase bank was doing everything in their power through their XXXX XXXX XXXX, XXXX to avoid to settle on mortgage loan. I found this process very unethical and abusing. 
Under Maryland State law mediation is one of the option in foreclosure due process to meet with the lender or person representing the lender with authority to settle or be able to contact a person with authority to settle the matter at the time of mediation. This was extremely important for me to settle with Chase bank and come to agreement. Unfortunately Chase representative XXXX XXXX, an attorney from XXXX XXXX XXXX XXXX entered mediation without any authority to negotiate to settle, nor XXXX XXXX was on phone during the mediation even once. It was a conference like meeting which undermined due process. I am currently residing in the property and interested party, entered the mediation with full authority by Power of Attorney from borrower XXXX XXXX with all rights to negotiate and settle and was ready to negotiate with all supporting documents and fair settlement deal based on fair market value based on professional appraisal and guaranteed funds at the time of mediation with XXXX reputable witnesses, XXXX attorneys and widow of the judge from circuit court. We were hopping to meet with the party from Chase bank and lender with authority to negotiate and settle. Unfortunately it was n't a case as XXXX XXXX had no authority and suggested that we should submit our proposal for reviewing to the Chase bank. If XXXX XXXX had an authority to negotiate and settle as Chase bank is claiming why XXXX XXXX did n't exercise that power during the mediation? Why we are being told to submit our proposal to the bank? JP Morgan Chase is refusing to acknowledge this misconduct and denying my argument. I have XXXX reputable witnesses willing to testify if needed in this case. Mediator XXXX XXXX XXXX XXXX submitted inaccurate report " No agreement was reached '' to XXXX XXXX Circuit Court which adversely impacted my foreclosure case. The report should say " The lender failed to attend the mediation and/or failed to have access to someone with required authority to settle the dispute '' I strongly believe that this was misconduct in foreclosure process by Chase bank and by mediator of Office of Administrative Hearings XXXX XXXX XXXX XXXX. 
I believe this was unfair and unlawful. 
Circuit Court Case Number : XXXX XXXX Case Number : XXXX Foreclosure Medaition Date : XXXX/XXXX/14

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: New Century Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being sued by XXXX XXXX XXXX XXXX XXXX for a credit card debt in the amount of {$9000.00} on XX/XX/XXXX in NY XXXX County First District Court. As of today the debt is {$12000.00} with interest. I have no knowledge of this debt. 

They are representing Creditor ( s ) : ( P ) XXXX XXXX XXXX XXXX New Century Financial Services Inc. 
I answered their complaint on XX/XX/XXXX asking for debt of ownership and proof of debt. 
After that, I have not heard anything from them or the court till XX/XX/XXXX then the court asked my income. When I went the court to see all the files in the case folder, I have seen they obtained default judgment against me on XX/XX/XXXX. The reason they could be able to obtain the default judgment is because I was not aware of the hearing so I never showed up to the hearing. 

I disputed all claims and complaints against me officially by writing an answer by filing with the court on XX/XX/XXXX. 

Till today I have written 3 more answers/ questions and filed with the court. In all of my responses I have asked them to provide me the debt of ownership, the credit card agreement and debt validation. They could not provide me any tangible proof regarding any of these requests. Yet this court proceeding is still ongoing. 

I have seen that CFPB fined plaintiff and the creditor for similar reason that I am suffering now. 

https : //www.consumerfinance.govXXXX I would like to inform you that they are still doing and continuing their unlawful actions. 

I am ready to accept any help you may offer in this matter.

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 2016-02-23
Company: FCI Lender Services Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XXXX XXXX, XXXX my mailman knocked on my door and when I opened the door he gave me a piece of mail that was intended for my next door neighbor at XXXX XXXX XXXX XXXX. The mailman knew me personally and even though the address on the correspondence had the wrong address, it had my name on it. My address is XXXX XXXX XXXX XXXX. When I opened the letter it was an " Intent to Foreclose '' from the Law Office of XXXX XXXX XXXX, XXXX. on behalf of a XXXX XXXX XXXX XXXX. Had the mailman not delivered this piece of mail to me I would never had known 1 ) that this mortgage was being held by another company other than XXXX XXXX 2 ) that my house was in foreclosure and I could have actually lost my house without even being aware of this. 

This was the XXXX time that I had received any communication in regards to this mortgage in over 5 years. The mortgage was originally a second lien held by XXXX XXXX XXXX ( formally XXXX XXXX XXXX ). In XXXX XXXX, the XXXX mortgage was modified by XXXX XXXX Bank and we were told that the XXXX lien had been extinguished. We have been making payments on the XXXX mortgage to XXXX XXXX Bank since XXXX XXXX on a regular basis. Since we did not receive any correspondence in regards to the XXXX lien, we were shocked when we received this letter. Upon further research we learned that this XXXX lien had been sold several times over the five year period ( see attached ) and we were not notified at any time of any of these transfers which is in direct violation of 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow account - specifically Notice by transferee of loan servicing at time of transfer ( 1 ) Notice requirement Each transferee servicer to whom the servicing of any federally related mortgage loan is assigned, sold, or transferred shall notify the borrower of any such assignment, sale, or transfer. 

Because of the failure to comply with the provisions of this law we would therefore request that you investigate have each entity that was involved with the transfer of my loan to provide the servicing transfer letters that were sent to me including my signature of any RETURN RECEIPT REQUESTED certified mail that was sent to me. 

I am attaching copies of the recorded assignments that I was able to find in public records to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that I was never notified about.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance of the Fair Credit Reporting act XXXX  Account, has violated my rights XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX  XXXX Account number XXXX Chapter XXXX bankruptcy petition 15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Second 2 : It also states a consumer reporting agency can not funish a 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 2022-10-10
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 is missing that should be on the report

Complaint:
Experian Is Not Reporting all my Credit Cards or Credit History in the XXXX XXXX XXXX XXXX XXXX XXXX. Over XXXX months ago I was added as an authorized user of XXXX XXXX  XXXX card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year Credit History and another XXXX XXXX XXXX with a 4 year credit history. I need ALL of these cards reported to my Experian Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my Experian Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need Experian to report these Lines of Credit that I am an authorized user IMMEDIATELY!

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 2017-11-21
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Blocking enabling external applications to access my bank and help manage it

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance of the Fair Credit Reporting act XXXX Account, has violated my rights XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX Chapter XXXX bankruptcy petition 15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Second 2 : It also states a consumer reporting agency can not funish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Bread Financial Holdings, Inc.
State: NY
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:
In accordance to the fair credit reporting act XXXX account # XXXX, has violated my rights.

15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is my second time filing a complaint. I file a Chapter XXXX in XXXX 2010. In XXXX of 2010 I also had a loan modification. 
Any money that was due was worked in the loan modification. 
XXXX stated that I am two months behind when I filed the Chapter XXXX Which was true. I had just lost my job. At the time my payment was XXXX. 
So in my chapter XXXX they stating that I owe XXXX. Which I do n't owe that. 
So why in the chapter XXXX my loan was change to XXXX different company. 
Which is SPS. We have contract SPS a number of times to get a payment history. 
We just got the payment history a month before the discharge My lawyer are trying to get the case discharge but is not able to because SPS keeping putting off the case. Thius Chapter XXXX was suppose to be discharge in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2015, a hard credit pull was done on my credit report by XXXX. I contacted XXXX Credit Card Services and they declined that they were even XXXX. After doing further research, I confirmed that XXXX is XXXX. I have never applied for a XXXX Credit Card, Mortgage or Personal Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I was seeking to file a dispute for an item listed in my credit report, and I was asked to verify information in regards to, mortgages, loans and credit accounts, none of which have I openned, and I was denied access to file the dispute because I answered truthfully in response to the questions asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CFBP write up In accordance with the fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A .states I have the right to privacy. 15 U.S.C 1681 section 602 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I told Equifax that XXXX XXXX XXXX XXXX XXXX TN XXXX does n't belong to me. After a long battle going back and forth they finally removed it on XXXX/XXXX/2016. I just repulled my credit report and they have it back on there. I told them it is not my address, I want it removed from my credit report. I am attaching the letter they sent me removing it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-02
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
REFERENCE NUMBER XXXX I had a joint tax lien of XXXX, The IRS granted me full innocent spouse relief, the lien was later withdrawled per IRS and XXXX XXXX XXXX. Equifax took off the other lien but are still reporting this lien. I have sent them everything proving I do not have this lien faxed and online, all the paperwork, I have called them and XXXX XXXX XXXX said they are NOT reporting this. I do n't know what to do I do not have this lien.

Company response to consumer: Closed with non-monetary relief