BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 spoke to representative XXXX XXXX in regards to the convergent account # XXXX. I settled the XXXX debt of {$420.00} with an agreed upon reduced payment of {$210.00}. 

This representative told me the collection would no longer report on my credit reports. This is affecting my credit score and my credit worthiness. I have asked this company multiple time to handle this issue and take the account off my report. It is still reporting as a negative on my credit reports. 

I am asking this be taken off my credit report in FULL as agreed upon by Convergent Outsourcing.

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 2023-06-27
Company: EQUIFAX, INC.
State: SC
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 Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : its 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 2022-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a call on XXXX XXXX, phone was XXXX, the woman said she was from Capital One asking about a credit card issued to me number ending in XXXX. I told her I never had a Capital One credit card and have never applied for one. She told be she was directing me to the Fraud Dept. That woman said that my social security number was used to open this account and that the person had maxed out a debt of {$45000.00}. She said the card was issued on XX/XX/2022 to someone in New Jersey. She wanted my address and birth date and said that I would be hearing from Capital One in 6 months. Well, a week later, I get two letters, one stating that that the investigation was over and I was responsible for the amount due. The other letter dated the same date, XXXX. XXXX XXXX, was an Identity Fraud Information Form. It wanted me to send a copy, front and back, of my social security card and my drivers license. It was to be sent to XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  This was regarding Account Number ending in XXXX, XXXX XXXX : XXXX. Only this time the charges were for {$38000.00}. I took these letters to XXXXXXXX XXXX where I have an account and they thought this was a scam. The numbers they gave me to call did not match up with numbers on the Capital One web site. Also, envelope address was not the same as letterhead address. Envelopes were XXXX XXXX XXXX XXXX XXXX XXXX, letterhead was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have also been getting Text 's almost every day about unpaid balance on my credit card They said I have missed XXXX payments on XXXX XXXX XXXX and I should get in touch with https : //capital.oneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
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 XXXXXXXX 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 a 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 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. 1681s-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 2020-10-03
Company: The Rose Law Firm PLLC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter in the mail threatening to sue me for a medical ambulance bill. It claims that the debt collector has an intent to sue. They are put under the name Rose Law Firm but has a disclaimer that the letter was from a debt collector. I do not appreciate the threats or harassment saying that this is only how I can prevent litigation. Please reach out to them for me as they have no legitimate website and do not pick up phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX reported 120 days late to the credit bureaus in XX/XX/2019. I provided my new address and was told I would receive the final bill. I never received the final bill from XXXX XXXX XXXX. I've sent certified letters to XXXX XXXX XXXX disputing the negative item they state it is correct. I moved from the billing address on XX/XX/2019, the collection showed 120 days late on my credit report. I have disputed with XXXX & XXXX, Equifax, XXXX, and XXXX. XXXX  removed the negative item based on the documentation I sent them. Equifax and XXXX  XXXX XXXX XXXX XXXX keep confirming the collection. They have since updated the balance to XXXX  from {$280.00}. I paid the bill as soon as I saw it XX/XX/2019 on my credit report. All of my past history with XXXX XXXX XXXX is positive, they are not showing past history. 

Equifax is showing the negative item on the report twice which is further impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting 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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : 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 2022-04-06
Company: Experian Information Solutions Inc.
State: NJ
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 don't recognize this inquiry made on my report and is need to be removed XXXX US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXXS XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX None Of This Inquiry was made by me therefore it need to be removed thank you.

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 2023-09-22
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
BankMobile allowed a debit card to FRAUDULENTLY be issued under my name. After several calls and complaints BankMobile refuses to resolve the issue by canceling the card. 

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 explanation
Consumer complaint received 2018-07-10
Company: Nelnet, Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Student Loan had been in " OK '' standing since XX/XX/XXXX. As ofXX/XX/XXXX, my account was 90 days past due. I called and corrected the issue, however, that report after six years of " good standing '' dropped my credit score 178 points. That point drop seems excessive after six years of good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2022 I ordered a XXXX shotgun ( order # XXXX ) online from XXXX XXXX XXXX ( XXXX XXXX XXXX ). Payment ( {$490.00} ) was made via XXXX as per XXXX XXXX XXXX stipulation, from my bank ( Wells Fargo ). I received no confirmation and no shotgun. Several email inquiries were sent regarding the order status and they requested a photograph of the XXXX receipt verifying payment, which I sent. A delayed response again requesting another photo of the XXXX document. I have examined my bank transactions and discovered that the {$490.00} has been paid from my account via XXXX transfer. 
XXXX confirmation code : XXXX. On seat agent for XXXX XXXX XXXX listed as XXXX XXXX. XXXX payment info : XXXX Of note, the aforementioned website in question ( XXXX XXXX appears to have at least XXXX near-identical sister sites called XXXX XXXX XXXX XXXX XXXX : XXXX ) and XXXX XXXX XXXX XXXX XXXX ) having simply exchanged Store for Shop in the case of one and otherwise changed some website colors, banners and fonts. The overall scheme and insistent reliance on XXXX transaction appears to be the exact same. 

Actions taken : Contacted XXXX to report fraud and to attain information for the FBI 's IC3 Form. Zero progress was made with contacting XXXX. An individual can expect zero recourse by contacting XXXX for any situation resembling the above- it is a cul de sac of assistance. Of note, their online 'Report a Scam ' requests a " 12-digit PaymentID '', instructing the filer to reference their bank statement for this number. The number on my bank statement - confirmed via an agent of my bank- is 10-digits. You MAY NOT submit the form if it does not have exactly 12-digits thus creating a veritable XXXX deadend. 

Contacted Wells Fargo to initiate a fraud investigation Completed and submitted the FBI 's IC3 Form. 

Contacted XXXX to ensure that they are aware that their company name, logo and products were being used to defraud individuals.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
this is again regarding " lonecare Mortgage ( XXXX XXXX XXXX XXXX  XXXX VA.XXXX  ) after the last complaint I filed some of the mistakes made by L/C were resolved, however the letter they sent me stating this is a written conformation we have received notice of error from XXXX, and if you have questions please contact Mortgage resolution unit XXXX ex XXXX sincerely XXXX XXXX XXXX XXXX so I called her 8 times left 4 messages to please return my call with no response so I called their home base # talked to whoever? told her the situation that I hadn't got a call back and could she please see what she could do and she said she would and call me back, that hasn't happened either. this has been since XX/XX/XXXX. The sad part of this situation is if they had not taken out two mortgage payments, that was made in last XXXX one made by their mistake the other I made as my regular monthly payment that started a chain reaction of nothing but pure XXXX for my wife and me, if they would just put the payment, they messed me up on at the end of the loan all could be solved so " no foul no harm '' they still expect me to make two payments they say to make the loan right, this isn't fair as I did exactly as the loan payment I signed to made monthly was done last XXXX. I don't know how much more stress I can take from these people

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 2023-09-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-27
Company: EQUIFAX, INC.
State: NJ
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 Inquiries is not mine and it's totally XXXX, I'm not aware with those Inquiries. Please take an action with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} OFFICE OF THE ATTY GEN XXXXXXXX Balance : {$12000.00}

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 2021-02-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XX/XX/2021 Ive had 3 different lender to run my credit report and was able to only get XXXX  and XXXX  report. All 3 lenders stated they cant get my Equifax report. Ive been contacting Equifax ever since XX/XX/2021 about the problem and still havent tried to fix the issue besides stating I dont have a freeze on my account. Currently Im going through a program called XXXX for a house and they ran my credit on XX/XX/2021 and they stated they didnt get my Equifax report back. I logged in on my Equifax to double check and make sure there was no freeze on my report. I didnt see anything so I contacted Equifax and told them the problem. They stated I might have a freeze or maybe we are entering the wrong information. Equifax keeps giving me the run around instead of trying to look into it. My goal is to get a house soon so I need my Equifax report in order to accomplish my goal. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THE LOAN WAS ORIGINALLY TAKEN OUT IN 2005 FOR {$20000.00} I WAS GIVEN DEFERMENT BECAUSE THE SCHOOL ( XXXX XXXX UNIVERSITY ) LOST IT 'S ACCREDITATION AT THE TIME AND I TRANSFERRED SCHOOLS. ONCE I STARTED PAYING ON THE LOAN I WAS GIVEN AN AMOUNT TO PAY AND WAS NOT TOLD IT DID NOT APPLY TO THE PRINCIPAL BALANCE. FAST FORWARD A FEW YEARS, I LOST MY JOB, MY MOTHER TOOK ILL WITH A XXXX XXXX, AND I BECAME XXXX. XXXX XXXX SOLD MY LOAN TO NAVIENT, WITHOUT MY KNOWLEDGE AND I STARTED RECEIVING HARASSING COLLECTION CALLS FROM A COMPANY I NEVER HEARD OF. NAVIENT THEN SOLD MY LOAN TO XXXX XXXX XXXX AND I STARTED PAYING THEM $ XXXX- {$250.00} A MONTH SINCE XXXX 2015. NAVIENT STATED MY ACCOUNT IS CLOSED ON MY CREDIT REPORT AS A CHARGE OFF, BUT THEY ARE STILL REPORTING NEGATIVE ON MY CREDIT REPORTS, WITH FAILURE TO PAY. I AM ACTUALLY PAYING THE NEW CREDITOR FAITHFULLY EVERY MONTH OUT OF MY PERSONAL CHECKING ACCOUNT. I HAVE DISPUTED THIS MANY TIMES WITH ALL 3 CREDIT BUREAUS AND HAVE ASKED NUMEROUS TIMES FOR NAVIENT TO CORRECT THIS INCORRECT INFORMATION. I HAVE SUBMITTED ALL PROOF OF PAYMENT ( EVERY CHECK THAT HAS BEEN PAID THROUGH MY CHECKING ACCOUNT WITH XXXX XXXX XXXX ) ONLY TO HAVE NAVIENT SAY THEY WO N'T REMOVE THE NEGATIVE REMARKS/LATE PAYMENTS, AND THAT THEIR INFORMATION IS CORRECT, WHEN IT IS NOT!!! MY LOAN WAS SOLD TO A COLLECTION AGENCY AND I HAVE BEEN PAYING EVERY MONTH. I HAVE ALSO ASKED NUMEROUS TIMES FOR THEM TO SEND ME MY ORIGINAL LOAN INFORMATION AND THEY HAVE FAILED TO DO SO. THEY ARE REPORTING INCORRECT INFORMATION, WRONG PAYMENT INFO, THE ACCOUNT IS CLOSED THEY SHOULD NO LONGER BE REPORTING ANYTHING, AND THEY ARE REPORTING AN INCORRECT BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
MR COOPER MORTGAGE has constant telephone problems. I faxed them a letter with all my information showing that they have miscalculated my escrow. I attached my insurance bill and real estate property tax bill. 

No one has responded and there is no way to contact them due to constant phone problem.

I need someone to look at my ACTUAL real estate tax bill and insurance and do recalculation of my escrow Send me new and corrected mortgage statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Marcus denied a transfer of {$500.00} into an XXXX account, upon asking where the funds are they removed an additional {$500.00} from my XXXX account. I did not authorize them to withdraw that money from my account, this equates to banking fraud. 

At this point they have stolen {$1000.00} from my accounts and will not provide any additional information as to where the money is or how I can get it back.

Company response to consumer: Closed with explanation