BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased an FHA home 2 years and I was told that my loan is assumable. When I contacted Rushmore loans they told me that they don't do assumable loans and that FHA doesn't do assumable loans. They called XXXX and told me that i could call XXXX and they would tell me that FHA doesn't do assumable loans. When i contacted them they said they don't know why they would say that then they gave me me FHAs phone number. I'm looking to have someone assume my loan because I'm moving out of state and I'm told they don't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: TX
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-10-19
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To Whom It may Concern, This spring I submitted my paperwork for the Public Service Forgiveness Program. I have been employed full-time by XXXX XXXX since XXXX. 

First I worked for the XXXX XXXX XXXX from XXXX until XXXX XXXX. Then I started working for the XXXX XXXX XXXX XXXX in XXXX XXXX ( no gap between employment between XXXX and XXXX XXXXXXXX ) where I am still employed today. 

The loan paid for my degree in XXXX XXXX from XXXX XXXX XXXX ( XXXX ). I graduated in XXXX of XXXX. I never missed a payment. I was never told that my monthly payment amount was insufficient for repayment in this program. When I called my servicers to verify, they stated that I would qualify for public service loan forgiveness because the loan was a direct federal loan through XXXX. 

XXXX is my current servicer. 

I received a letter in XXXX of XXXX from XXXX XXXX/U.S. Department of Education referencing account number XXXX XXXX XXXX. This letter verified my qualifying employment - but categorized 100 % of my student loan payments as non-qualifying. They wanted me to make 120 more payments on this loan and try again in XXXX. 

I have XXXX XXXX in college now - this is impacting my ability to support them. 

If you have any questions, please contact me at XXXX. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Law Office of Michael J. Scott, PC
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: Personal information incorrect

Complaint:
The bureaus have me listed with multiple address that belong to my son. This is misleading and was done by the three bureaus and Michael J. Scott Attorney in XXXX Texas. He send multiple personal document to my so to publicly embarrassment and harass me.. My son contacted and forward legal and personal information sent to him in an attempt to embarrass me. 

The attorney knew my address well because he sent me the same documents at my actual address XXXX XXXX XXXX XXXX, XXXX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Navient Solutions, LLC.
State: NM
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Navient has breached it 's own verbal contract numerous times, and is now threatening default and lawyers. XX/XX/XXXX I was diagnosed with XXXX XXXX that forced me to close my business, created a separation from spouse, became homeless and forced to move to a healthier environment. <P/>I contact them many times via the only platform available due to homeless situation, email. Told them numerous times of the above situation, that I had no income but was spending meager savings to try and continue payments. I did so for a few months in XX/XX/XXXX until savings depleted. In XX/XX/XXXX I got part time work that did n't effect my XXXX, but left me with a take home pay under {$700.00} a month. Navient would accept nothing but a call, so had to find a phone to borrow for the call, thyey claimed " This call is recorded ... '' so, should have on file, requested Income Based Repayment, they complied and set a monthly {$50.00}, I have paid {$60.00} most months, and never missed one payment. Since the very next month after the first call, as well as another in XX/XX/XXXX, and on a monthly basis, they harass me stating " missed several payments, will go to default. '' I have never missed a single payment, sent numerous emails from a verified email address stating my income, employer, etc. ( No phone available. ) Only reply is continued form letters via email, " Several payments behind ... default, may turn over to lawyer ... call us ... '' I 've replied that I live in XXXX NM, phone N/A majority of time, FTC says verified email IS valid contact only to get same as above over and over. I 've researched Navient online and speaking to others via my XXXX work, and have found Thousands of complaints not unlike mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
For XXXX XXXX on my XXXX  report of being late on a payment. The account was paid in full before the next billing cycle. XXXX XXXX charged me {$57.00} dollars for the monthly minimum payment, but the account had a XXXX balance. 

This is affecting my ability to get loans/better interest rates.

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 2019-07-22
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: Account information incorrect

Complaint:
For XXXX/XXXX XXXX on my XXXX report of being late on a payment. The account was paid in full before the next billing cycle. XXXX/XXXX XXXX charged me {$57.00} dollars for the monthly minimum payment, but the account had a XXXX   balance. 

This is affecting my ability to get loans/better interest rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: GL Financial, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I previously purchased a vehicle through XXXX XXXX XXXX ( with no contract legally signed by me ) that was later sold and transferred to G.L. Financial. Currently the vehicle has been paid in full, and the account is closed. However, after recently checking my credit report, I discovered one 30-day late payment for XX/XX/XXXX, but the payments for all other months prior all reflect as current/paid/never 30 days late. I contact G.L. Financial on XXXX seeking a one-time " goodwill adjustment '' to my credit report, because I was hospitalized for several weeks and literally fighting for my life due to contracting XXXX, while already having preexisting conditions, such as XXXX. While I was XXXX  and XXXX, my brother was in contact with the finance company, and made them aware of my condition and explained the possibility that I may not recover. They accommodated me during this time and allowed my brother to make payments on his own, although he wasn't able to access my finances to meet my financial obligations, he did due diligence in using his own funds to make sure my auto loan account continue be maintained as best as possible. During this same time as my XXXX, my mother passed away from XXXX and I experienced a delay in being reimbursed from FEMA for her expenses that I had to pay out of pocket. 

Unfortunately the account representative I spoke with at G.L. Financial was unwilling to remove the mark for me, and refused to allow me to speak with any type of supervisor. This negative 30 day mark on my credit reports is causing me even more undue and unnecessary hardship during this pandemic that our nation is facing. I feel that G.L. Financial never considered provisions and protections outlined under the CARES Act. G.L. Financial completely disregarded The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ) in their refusal to remove one 30-day late payment. As a result, I would like G.L. Financial to remove the 30-day late payment mark from XX/XX/XXXX and have it reflect as current and okay as all of the others, especially since I have met my financial obligations and paid the auto loan off well in advance. I also discontinued legal action that I was pursuing in regard to the illegal contract they purchased from the car dealer, due to my health condition at the time. 

As a result, I would like G.L. Financial to remove the 30-day late payment mark from XX/XX/XXXX and have it reflect as current and okay as all of the others. This issue has created undue situations and has caused my credit score to drop to XXXX and has in part, caused me to be denied XXXX XXXX XXXX to assist with medical expenses for XXXX treatments that are not fully covered under my medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I checked my bank account at XXXX on Thursday XXXX XXXX, XXXX, all was clear. 

At XXXX I received a text from XXXX asking if I made a {$630.00} transaction to a website in XXXX XXXX XXXX I received a call from XXXX XXXX. 

First I was told my card was blocked for confirmed fraud. Then I was asked to make an international call to a suspect XXXX Website to dispute the charges. 

I was then told that I have to wait until at least Monday but maybe 10 days for my money to be returned. I do n't understand why this transaction was allowed to go through on my bank account? 

This nearly wipe my account clean. It 's not fair, it should been flagged as suspicious before authorizing it. Calling me after the fact after placing a $ XXXX hold on my account, when they knew it was fraud, leaves me in a real lurch. 

Now I 'm on the hook for this until they decide to return my money. I ca n't even formely dispute this until it clear my account the next day. 

I 'm the victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from 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 2022-05-04
Company: CBC Companies, Inc.
State: TX
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:
After reviewed response of dispute letter I sent via USPS. Innovis Consumer Assistance on XX/XX/2022 response returned with Inaccuracies and deficiencies ; On Innovis credit file they are listing inaccurate unverified and invalidated listed below accounts. Moreover no consent by me the consumer has been submitted to me showing proof I consent to my private information being shared ; initially I requested Innovis REMOVE personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting act 15 USC 1681. Accounts named : XXXX # XXXX, XXXX.. # XXXXXXXX XXXX. # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX .. # XXXXXXXX XXXX # XXXX, XXXX # XXXXXXXX XXXX  # XXXX, XXXX  # XXXX, all have deficiencies and inaccuracies ; these accounts are and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 15 USC 6802.15 U.S.C 1681 section 602 A. States I have the right to privacy. No financial Institution is not supposed to share my information to the third-party peoples. 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. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I despite all the fore-mentioned accounts and respectfully require Innovis to remove all said accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XX/XX/XXXX, I signed an agreement to pay an attorney 's office ( XXXX, XXXX, XXXX and XXXX ) for the amount owed to the original creditor XXXX XXXX XXXX XXXX XXXX XXXX, {$100.00} each month, due on the XXXX of each month. I have made satisfactory payments and am in good standing with this company. However, several months ago I noticed another company, Transworld Systems , Inc., was reporting this debt in collections. I have never received any communication from this company, including voice calls or written notification via email or mail, that I had outstanding debt with this company. When I tried to contact this company in the past ( the most recent phone call was XX/XX/XXXX ), the person I spoke with at Transworld stated he could not locate an account under my name or social security number. When I explained the situation he stated he was not sure how to help me. I asked him to please transfer me to a manager. He transferred me to a woman who was not a manager and again, was unsure how to help me. She placed me on hold several times before transferring me to the attorney 's office ( XXXX, XXXX, XXXX and XXXX ) without my knowledge. I had no idea I was speaking with their office. The attorney was not able to help me as they state they do not report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy 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 non-monetary relief
Consumer complaint received 2022-05-04
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION A SECTION 2 I ALSO STATE A CONSUMER REPORTIING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of 2006, My wife attempted to refinance our home. She provided check stubs showing her accurate monthly income of {$2500.00} per month. Instead of verifying my income, XXXX XXXX generated an application via their computer system indicating that I was making {$8000.00} per month plus my title was changed from XXXX to XXXX XXXX. So without our knowledge, of this fraud, they approved my wife for a loan that was already illegal to sell to consumers in Illinois ( Pick-a-Pay mortgage ). Then, they took out a default insurance policy in anticipation of my default. We were not aware of this policy until I was contacted by XXXX XXXX, advising me of this default policy. The auditor first stated that it was illegal for them to take out a policy without my knowledge. Then they advised me that the bank had put through a claim but was denied because they did not follow the federal underwriting guidelines. I also have a letter indicating this from XXXX XXXX XXXX ( the default mortgage insurance company ). One year later, the bank used the same exact application indicating my monthly income of {$8000.00} to open an equity line in the amount of {$35000.00}. Firstly, we are not aware of such equity line. There is no proof of funds distributed. Incidentally, there is no proof of any closing for either loan. There are several notary signatures. We also previously put in about 6 or more complaints to the Consumer Financial Protection bureau. Each time, the bank lied about the findings. They denied all allegation, claiming they did nothing wrong when the proof was provided. Even though, I provided a letter from XXXX XXXX, they deny any such policy. They even ignore the fact that the same exact application was used a year apart. The notarys signature is also on a blank piece of paper and is dated 1 day after the loan. The mortgage shows about 6 title companies. I contacted each title company and none have any recollection or information about any closing. They all state that there was no such closing on their books. Also, a recent title search shows that I my wife does not have a mortgage. I was not working and therefore the mortgage was only in my wife 's name but the title search shows that the mortgage is under my name. I have a XXXX XXXX and they did not follow the federal guidelines when selling a loan to a person with a 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 2017-10-19
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened an account with Union Bank through a promotion they have advertised. The promotion is for {$200.00} when opening a Banking By Design checking account and either making a direct deposit of $ 500+ or 10 debit card transactions. 

After successfully opening the account on XX/XX/XXXX, providing SSN, personal information, details, I was happy to have been instantly approved for the account, assigned a Checking Account Number and Routing number. I immediately went to my own bank and set up an ACH transfer to transfer {$500.00} into the account to begin utilizing the account and taking advantage of the bonus promotion. To my surprise, the {$500.00} ACH was rejected by Union Bank, my account was closed, and I received a letter in the mail. The letter stated that they have closed my account due to Credit Reporting Agency and that they have determined I am not eligible for the account. 

This is concerning on many levels. Union bank collected my information, checked my credit, obtained my SSN, opened my account, issued an account number and then proceeded to close my account after funding. As a result of this account closure and subsequent ACH return, I was assesed a fee by my bank that initiated the transfer. I believe this is completely unjust banking practice

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