BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My Name is XXXX XXXX, Navient has been taking care of my loans. After having issues making the payments that they were asking of me which are $ XXXX monthly. I 'm a single father of XXXX there 's no way that I could pay this amount. They did n't provide me any other choices. They also lied to me various of times. if my payment would be around XXXX I would be able to pay but they are not willing to work me, because of this my loan my default. This will ruin my life. I wanted to know how I could be part of the Lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
It has been two months that I have been asking for verification, still have an unverified account from XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that EXPERIAN Provide verification of the following company XXXX : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EXPERIAN. Cease and Desist all further communications and collection actives and provide the verification of the purported debt from 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 2022-04-19
Company: Selene Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In the last quarter of XXXX XXXX my divorce began, I had fallen behind in my payments of the mortgage I closed on XXXX XXXX. The nature of my business is solely dependent on my ability to perform. 

The first quarter of XXXX I was committed to multiple contracts to continue developing various treatments for Caner and more importantly my XXXX XXXX was scheduled to deliver a return of the XXXX invested prior XXXX years During the Forced lock down the lender carried on with XXXX XXXX Maryland courts. Because of the uncertainty of XXXX, XXXX XXXX plant in XXXX was XXXX down for over a XXXX in XXXX and XXXX investors were prevented from conducting business with my company because of the forced lock down. 

The XXXX began foreclosure proceedings in XX/XX/XXXX. Absolutely NO RELIEF was offered. Once the Court reminded the Lender of the Moratorium in place to provide relief the Lender responded with a motion submitted that falsely stated I was exempt from the protection provided by the XXXX Moratorium. 

My Home was not only being taken from me, my ability to recover any additional funds also was stripped away by the lender who reported my loan inaccurately. instead of owing my original Debt I owed over XXXX due to credit reporting by the lender When in fact I only borrowed {>= $1,000,000}. 

As of todays date the lender finally repaired the duplicate reporting, however the loan information is still a lot more than I borrowed. 

My business suffered the consequences because my equity and credit availability had been eaten up by the lenders false credit reporting The XXXX XXXX and any local grants or loans I could apply for all denied me because my debt to income ration and my credit score that suffered XXXX reporting of mortgages XXXX Forclosure and the second account remained open and was still accruing interest 1 year after the judges order of forclosure and is still showing active. 

I am requesting for assistance to seek the damages caused by this lender. 

XXXX XXXX XXXX XXXX. 
I am the spouse listed in the final closing statement. XXXX XXXX, at no point did I authorize the use of my personal identification information for the application process of this loan. 

I was not in the country at the time as XXXX and I were separated. I was in XXXX where I still remain. and have record of my travels. 

The lender added my personal information without my consent. I was given direction from them to go to American consulate in XXXX and sign the mortgage application on XX/XX/XXXX. I told the lender taking out. a loan for XXXX XXXX was of not interest to me as I pay cash for everything. 

Lender falsely advised XXXX my agreement to continue with the application. There is no documentation with. my signature approval or consent. If there is record it is a fraudleunt claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I am a Private Banker the Promissory Notes presented to Wells Fargo are my personal Banker 's Notes which are seen as cash according to 31 U.S.C. 5103 and 18 U.S.C. 8 they are legal Negotiable Instruments. UCC 4-302 makes Wells Fargo liable to me. 
Because Wells Fargo did not honor my promissory notes created to payoff peoples property. 
I DEMAND Wells Fargo send me cash-able checks equal to my Bankers Notes which Wells Fargo has in it 's possession. Bank policy does n't out rank Uniform Commercial Code, United States Code and operation the way the Federal Reserve XXXX clearly states how every bank in the United States does. 

When I was told the promissory notes were worthless I did a test. I created a promissory note wrote my contact info on it, then sent it to to U.S. Treasury via the IRS. I also included a letter requesting to be contacted if what I was doing was against the law. I was never contacted. 
This complaint was created because CFPB needed more info after they received my complaint about promissory note dishonor from the WhiteHouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
THEY ARE REPORTING INFORMATION ON MY CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hi i had an account with Citibank and someone did fraud on my checking account They cashed in a For {$10000.00} and i disputed the check an it took them 5months to investigate and to tell me they couldnt help 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 2016-09-20
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recieved and update on my credit report advising of a new collection in the amount of {$97.00} of which i do now have any outstanding debt of this amount. I do n't know if this company. However i have researched to find that they are known for fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have moved numerous times since XXXX 2015 and only learned of this debt when reviewing my credit report, as well as a notice in 2015 at my parent 's address. I contacted XXXX XXXX XXXX, they stated it was about the equipment and I told them that it was returned since my ex made her own account and received different equipment. I was advised by XXXX XXXX XXXX that the issue had been resolved, my bill would be corrected to {$0.00} and they would contact Southwest to take it off of my account. I continue to receive calls at all times of day and night on my work line and cell phone. My number has been passed to XXXX different numbers. I receive calls from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and other numbers either leaving automated message that leads to no where or no voicemail at all. I receive more than three calls a day on work and cell line. It does n't matter what time of day or weekend. I feel this company is fraudulent and have only read bad news about this company being a ripoff. Please assist, I received three calls on my work line just as I was writing this issue. I feel this is harassment and continue to receive calls that I have to mute my cell phone and screen my work line. I can not work with constant harassment from phone numbers that even when pick up they do not leave message or the call is hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Santander Consumer USA Holdings Inc.
State: MD
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:
I have 2 charge offs on my credit report. These accounts are closed but yet they are still reporting late payments every month. I'm not sure why. Ive contacted the dealerships and was unable to get assistance and I also contact the 3 credit agencies XXXX, XXXX, XXXX and I was not able to get any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By 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.

The following names on my report are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX The following address are in accurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed as a charge off is not accurate. 

XXXX XXXX listed as charged off is not accurate. 

XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Missouri listed as charged off not accurate. 
XXXX XXXX DBA UOWNLEAEING Is not accurate. 
The following Hard inquiries are not accurate or authorized XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account listed is not accurate from XXXX AND XXXX XXXX XXXX XXXX amount owed is {$2700.00} not authorized. 
They have violated my rights under these laws.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A sections 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16815-2 ( 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 2022-04-19
Company: NRA Group, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received multiple phone calls and text messages on a weekly-biweekly basis since XX/XX/2022 from National Recovery Agency requesting to collect debt from a name that is not mine, and that I am not associated with.. Phone numbers include : XXXX, XXXX, XXXX : to call back at XXXX. Reference number : provided. I have answered multiple times, and even called back and said that my phone number does not belong to the name that is being requested. I have been contacted on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and today XX/XX/2022. I spoke with two representatives who said my phone number would be taken off the list. Today I received a detailed text message from National Recovery Agency stating who the debt is being requested for, the total, and a reference number. When it occurred, and when the final resolution needs to be met for this collection. All information that does not pertain to 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 2022-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I signed up for a credit card a few months ago because I was trying to develop a credit history and few a positive credit lines on my report when I checked my credit report I saw a number of hard inquiries from credit card companies running my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I am a victim of Identity theft. A account was open on or around XX/XX/XXXX with XXXX that I did not authorize nor did I make. I have contacted all the credit bureaus letting them know I am a victim of identity theft. A police report has been filed with the XXXX XXXX XXXX Sheriff Department Report # XXXX on XX/XX/XXXX for Identity theft. I have also filed a complaint with The XXXX ( XXXX ) is a partnership between the Federal Bureau of Investigation XXXX FBI XXXX Complaint Id : XXXX I have filed a complaint with the Federal Trade Commission Reference. I have disputed it with all three credit bureaus and Cash call directly letting them know I did not open this account and that I a victim of ID theft and requesting that the account be removed as it is not mine and they still keep it there. Equifax & XXXX wont remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
n accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

Account # : US Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that 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 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 2016-10-12
Company: EQUIFAX, INC.
State: WY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had several issues over the past years that had caused me to become delinquent with my mortgage account, at one time, I used to travel for work and had to rely on my own funds to travel and my company was not very punctual with replacement payments which caused me to become delinquent on my account, then I had medical issues which, again, caused me to become late with payments. I have since become current on my mortgage, after a loan modification, and have remained current since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
There was a news report that several ATM 's had scanners on their ATM 's in an area of town that I use the ATM 's. I checked my bank account and sure enough somebody had scanned my debit card and pulled out {$4500.00} out of my savings and {$100.00} out of my checking over a 7 week period. I had my debit card on me at all times, and I have never given my pin # to anybody. I called the bank, they said it was obviously fraud and said they would return my money. That was on XXXX XXXX. I have since had my claim denied for several ridiculous reasons and still do not have my money that was stolen. I had a savings account for several years and never took money out of savings, then over the course of XXXX weeks, somebody depleted my savings account and then moved on to my checking. The bank never notified me that somebody was withdrawing several hundred dollars a day several times a day without my knowledge. It was definitely not my pattern and out of the ordinary but they called it non-aggressive withdrawals. Seemed pretty aggressive to me that I would never take money out of the account and then nearly empty in XXXX weeks. I deposit cash in to my checking account that I get from my fianc for bills when he would cash his check at Bank of America. Why would I deposit cash into my checking and then turn around and pull out of my savings? It does not make any sense. They tried to tell me that it was my fianc taking the money, but he does n't even know my pin #, and the transactions were happening on the east side of town, while we were working on the west side of town. They showed me still pictures of him on dates that were not the same dates of disputed transactions. He also uses Bank of America. This is purposely trying to frame him and fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XX/XX/2022, someone did obtain my credit report from Transunion without my consent ( fraudulent ). They also tried to get 2 different credit cards fraudulently.

This was done online. I believe that I know who did this.

I need the IP address for the perpetrator so that I can get them out of my life... I just need proof. If you can't provide the IP address, at least tell me the city and state of the IP address.

Pretty simple request .... don't protect the criminal, protect me instead.

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 2020-06-17
Company: Specialized Loan Servicing Holdings LLC
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I called " Specialized Loan Services '' and told them I could not pay the scheduled payment on XX/XX/XXXX. At that time I was given a '' Forbearance ''. What I thought was that SLS would not take that scheduled payment, but they did! This has caused me undo hardship. It was money SLS just indorsed for damage to my roof.

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 2020-06-17
Company: Chrysalis Holdings LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We initiated a refinance on a VA mortgage loan in XXXX of 2020. We were told it would take about three weeks.We provided documentation and signed disclosures on XX/XX/XXXX. 

The first round of documents requested from us were all provided within 24 hours. Any other request of us has been provided within the same ( 24 hours or less ) time frame.

It has been over 2 months now since we started the process. The individual who we are working with does not return emails or phone calls. I have called in to the company to complain for the 2nd time, and they are not providing a complaint system to me that is followed up. I would have expected a compliance department to contact me. When I called the general customer service number last week, I was told that our loan was approved, so I am just waiting for closing. 

I am afraid that this is all a scam at this point, and they have tons of our personal information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation