BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: Navient Solutions, LLC.
State: CA
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:
The schools that I had these loans with are closed. They have been closed for a long time. I spoke with some one from the US Dept of Education and she was supposed to get back to me and I haven't heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
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:
XXXX XXXX XXXX -- DATE XXXX I NEVER OPEN SUCH ACCOUNT, I'VE ALREADY CONTACTED THIS ESTABLISHMENT. THEY INDICATED THAT I NEEDED TO CONTACT THE CREDIT BUREAU. 
XXXX XXXX XXXX XXXX I NEVER OPEN SUCH ACCOUNT, I'VE ALREADY CONTACTED THIS ESTABLISHMENT. THEY INDICATED THAT I NEEDED TO CONTACT THE CREDIT BUREAU. 
IM ALREADY A VICTIM OF IDENTITY THEFT.

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 2021-07-27
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I sent a certified letter to Equifax requesting an dispute investigation pertaining to : 1. Customer statement : Delete second phone number XXXX XXXX XXXX XXXX, and maintain XXXX XXXX XXXX XXXX. 

2. Personal Information : Delete " former name '' XXXX. That was not my former name. 
3. Employers should be reported as XXXX XXXX XXXX XXXX 4. Accounts- a. XXXX XXXX ( XXXX ) Comment " High balance is the credit limit '' when the credit limit is XXXX and the high balance is {$0.00}. Please remove comment. 
b. XXXX XXXX XXXX XXXX XXXX ( XXXX ) Please delete because the date of last activity, date opened are reporting differently to every credit bureau. Does not meet FCRA. The creditor can not provide debt validation. 
c. DP of EDU ( 2554 ) - The date opened & date of last activity is reported differently to all credit bureaus, does not meet fcra. Please delete for inaccurate reporting. 

EQUIFAX HAS NOT INVESTIGATED WITHIN 30 DAYS, OR HAVE THEY COMPLETED A REASONABLE INVESTIGATION, THEY NEVER NOTIFIED OF AN INVESTIGATION STATUS OR RESULTS, THE DISPUTED ERRORS WERE NOT FIXED ON MY REPORT. 

I RESENT MY REQUEST FOR INVESTIGATION ON XX/XX/2021. I HAVE NO NOTICE OF INVESTIGATION STATUS OR RESULTS, THE INVESTIGATION TOOK MORE THAN 30 DAYS, THE DISPUTED ERRORS WERE NOT FIXED ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I HAVE APPLIED FOR A PRE- APPROVAL LETTER AND WAS AWARDED THE AMOUNT I ASKED FOR, BUT I HAVE NOT USED MY LOAN YET, SOMEONE STOLE MY LOAN AND PURCHASED A HOME WITHOUT MY PERMISSION OR CONSENT. THEY USED MY CREDIT TO PURCHASE A HOME, AND THERE IS A MORTGAGE THAT SHOWS ON MY CREDIT REPORT, HOW CAN I REMOVE TI AND WHERE IS THIS HOME SO I CAN REPORT IT TO MORTGAGE FRAUD? THERE IS NO SHARED CREDIT ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Financial Data Systems
State: SC
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:
XXXX XXXX XXXX  XXXX has reported three separate accounts as delinquent on my credit reports with all three agencies. Not only did they report these accounts as delinquent on my account, they sent them to a collections agency who also reported the accounts as in collection on my credit reports. I have never received a bull or phone call from either of them. To make matters worse, when I called XXXX XXXX six weeks ago, I spoke with a supervisor who admitted to not sending any letters and also stated she would reach out to the collection company and have them and Sound Physician remove these three accounts from my report. I'm not sure why they reported these medical bills because these bills were accumulated on behalf of my special needs son who has XXXX and all of his medical bills are paid for 100 % by XXXX. The supervisor admitted to having spoken with XXXX and XXXX advised them to terminate the account. I have reached out to all three credit bureaus and filed disputes to no avail. My credit is ruined and I would like them to remove themselves from my credit report as they are knowingly reporting a lie to get paid for accounts XXXX has already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TD BANK US HOLDING COMPANY
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:
An unauthorized hard inquiry of my credit was performed on XX/XX/2022 by TD Auto Finance with a location listed as : XXXX XXXX XXXX XXXX, MI XXXX, phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Straley & Otto, P.A.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX, and I have recent close on a property XXXX XXXX XXXX XXXX. A few month after moving into the property, I recieved a debt collecting letter from XXXX XXXX from Straley and Otto ( legal assistance ) that I owed past due amount XXXX $ XXXX XXXX $ for XXXX 2015 and XXXX $ attorney fee ). I contact XXXX XXXX and provided proofs that I have made all payment on time. Soon after acknowledging that I have made all payment, she continue to ask if I paid the continuing month ( XX/XX/XXXX because it is due, and it not related to the debt, and yes I have been paying on time. She then ask you have to paid attorney fee because she sent me the letter XXXX XXXX Which got me by surprise, I think I 'm being harass and bullying through these type of behavior, though their vision is to help and support the need of compliance citizen. I have emails exchange between me and XXXX and comp if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
These accounts are not my accounts reporting.

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 2020-03-29
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been trying every day ti get ahold of Hyundai Finance to discuss my financial hardship due to lost wages from the coronavirus pandemic. Their phone lines say " we are experiencing technical difficulties '', yet they are having no issues taking my money monthly. When I contacted the individual dealership, they said they do not know anything and can not do anything.

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 2021-07-27
Company: BARCLAYS BANK DELAWARE
State: SC
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:
On XX/XX/2021 Barclays Bank of delaware received my dispute which consist of me disagreeing with this alleged charged off account being on my credit report and also the alleged Balance on this allege charged off account I asked barclays bank to send me athe original contract and billing statements to see what was going on but before anything to follow 12 CFR 226.12C ( 2 ) - Special credit card provisions. Which Requires the alleged creditor to remove the account from my credit report while this dispute is taking place.

Barclays Bank of Delaware does not send me any SIGNED AGREEMENT which voids any sort of contract they are alleging according to Title 32 of South Carolina Code of laws SECTION 32-3-10 ( 5 ) of the stat
ute of frauds of South Carolina. " ( 5 ) To charge any person upon any agreement that is not to be performed within the space of one year from the making thereof ; Unless the agreement upon which such action shall be brought or some memorandum or note thereof shall be in writing and signed by the party to be charged therewith or some person thereunto by him lawfully authorized. '' Also barclays Bank of delaware did not remove the account off of my credit report According to 12 CFR 226.12C ( 2 ) - Special credit card provisions. This alleged creditor is not compliant to an requirement whatsoever

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 2022-04-13
Company: EQUIFAX, INC.
State: LA
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 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion previously deleted inquiries from my credit report and then added them back on without notifying 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 explanation
Consumer complaint received 2021-07-27
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 called multiple times and explained to them that my boyfriends revolving accounts were showing up on my credit score and It lowered my score by 60 points and the supervisor XXXX was extremely rude, wouldnt listen to me and kept telling me there was nothing she could do and to call fico. And then fico told me only the credit bureau could fix the problem. Then when I called back AGAIN the same supervisor said she refused to answer my questions but kept saying I already answered that. even though she didnt and everything she was saying didnt make sense. Then told me she was going to hang up the phone on me instead of explaining to me why she couldnt and would not help me. She told me I couldnt speak to anyone higher up than her. She should not be representing a credit bureau. And I feel uncomfortable with her handling my personal information. Someone who cant handle pressure should not work in this line of work.

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 2016-06-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Entered into a refinance transaction with PennyMac who currently holds my mortgage to get out of the current FHA loan and into a conventional loan and either remove or greatly reduce the mortgage insurance. Once the appraisal was completed, I reviewed and was shocked at where their appraiser came in at for the value. I work in the mortgage industry and have reviewed appraisals for 15+ years and knew the reconciliation was deeply flawed. Normally even though there is appraiser independence post mortgage melt down, a Lender 's internal appraisal department has the ability to review an appraisal and change the value used for lending if there are flaws in the appraisers result. PennyMac would not review and only sent my rebuttal to the appraiser who of course did not change his value conclusion and still did not provide justification for his value at the extreme low end of the market and his commentary actually supported the higher end of the market and his adjusted values for both closed sales and listings supported higher than his ultimate value. I even provided XXXX comps that were pending sales at the time of the report and also supported at least the middle of the value range if not the higher end. This is an issue for consumers especially with the resulting payment when compared with the fees and increase in principal at the end of the proposed transaction left no benefit of refinance. If I had not been in the industry I may have still proceeded with the transaction instead of cancelling as I did and been in a much worse position as the Rep never brought up the discussion on whether the new loan was still worth it with the much lower than anticipated value that left the LTV over 90 %. The only proposition brought up was to bring in {$4500.00} to pay down the principal to 90 % LTV which would lower the payment by less than {$100.00} so the money brought in would take at least 4 years to recoup and therefore makes no sense. I will attach a full breakdown of the assessment and flaws in the appraisal later in this process, but the lack of making sure the customer is put in the best position because not every appraisal will be acceptable while most are and the lack of guiding the consumer to the best situation for them financially is concerning if this were to happen to someone without industry knowledge or not financially savvy. It appeared they were just looking for a new transaction any way they could get it and if not they still held the servicing for the mortgage so either way PennyMac was set while the consumer was not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To Whom It May Concern : I submitted a Dispute Form to Experian with information showing the manager ( Mr. XXXX XXXX ) of XXXX XXXX Sales forged my signature on several documents. One document was a credit application. Experian told me the information I provided was forwarded to XXXX for an explanation. As of the writing of this letter, my credit file has not changed. Therefore, I assume XXXX has told Experian that I signed the credit application. 

Please consider this a complaint against Experian. It was my understanding that Experian would investigate this matter. I was never sure if Experian did an investigation. Experian stated the information I submitted to them was sent to the company for a response. Eventually, I believe Experian told me what they change was changed. Nothing changed on my credit file as a result of the dispute. 

I hope CFPB will hold Experian accountable and obtain the documents I am requesting. You may refer to Complaint ID XXXX for additional information. I give CFPB to act as my agent regarding 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 non-monetary relief
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2021-07-27
Company: LEXISNEXIS
State: MD
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 asked for a full investigation of a bankruptcy reporting to my credit file. I asked for documentation and proof of the investigation. I want to know the source of the information. I contacted the US Bankruptcy Court and was informed that they do not report to any other company or credit bureaus. The only one entity that could officially verify the bankruptcy has verified that they did not. So I am confused why LexisNexis is providing this information for it to be furnished to my credit report. If the US Bankruptcy Court did not report this and there was no permissible purpose to furnish this information then a bankruptcy should not be on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Risecredit, LLC
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I believe Rise is a payday loan co and as I am checking my credit report I see Rise on my credit report and I have never applied for a payday loan at Rise. I have been having lots of problems with my ex-spouse which whom I divorced in 2006. I am more than certain he is the one applying without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I entered into installment agreement with Atlas Credit Co. Inc. last XX/XX/2018 with the loan of {$500.00}, with the high yield steep interest rate of 99.85 % that was beyond of the usurys states and national consented annual percentage rate. I sent a written letter to Atlas Credit Co. Inc. to their XXXX , Texas as well to their corporate office in XXXX , Texas , in order to notify them about the future blank checks they asked that was not in their policy to the contract I signed. Atlas Credit Co. Inc. have collected advance blank checks from me for my monthly payment. The checks I signed and gave them were to be cashed only after their agent having called me.

Advanced checks I have given to Atlas Credit Co. Inc. were compromised and my bank, XXXX have to close my account at the time checks I have given them were blanks and without dates that I never authorize them to write dates. It is seriously flawed and causes substantial harm for me due I am now facing criminal charges in that they wrote dates on my blank checks without my approval. 
After the attempts of notifying them through certified mail return receipt no. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX in my attempts to communicate in assisting me restructure my installment loan were in vain by Atlas Credit Co Incs representatives before the scheduled withdrawal date.

After Atlas Credit Co. Inc. uncooperatively responding in solving my willingness to repay instead they have submitted to the Hot Check Division. The consequences of their acts were invasive in lieu of resolving these issues with me personally, as consequences of After Atlas Credit Co. Incs false pretenses of the real story.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
i tried to order my credit report from experian on line and they could not verify my information, when i then orderd in the mail they sent me someone elses credit report that does not belong to me, i now have someone elses personal information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is an absolutely outrageous company to deal with. Their customer service is rude and their process is extremely slow. XXXX is the only agency that is reporting such inaccurate information. I've disrupted before and they ignored with an automatic response. I've sent a letter, they claim they didn't get the letters. I've sent a letter to there executives, they go in a put on the file that they are " reinvestigating '' when they never " investigated '' in the first place. 

My letter to them was to serve as a formal notice of my intent to file a complaint with the FTC, due to your disregard of the law. XXXX claimed to have somehow verified the items I requested. Therefore, I legally requested a description of the procedures used to verify the information. 

I was ignored.

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