BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
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: Was not notified of investigation status or results

Complaint:
It has need over 60 days and the information has not been updated. Please remove the negative information that is not verified or I will have to file for litigation. I filed in XX/XX/2021 and no updated information yet

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 2020-06-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX I emailed my mortgage officer that I need to know if we are being denied for a mortgage, and if so I need a denial letter that day because our financing contingency ended on the XXXX of XXXX. After repeated telephone calls to Navy Federal and my mortgage officer I have yet to receive this letter. I am at jeopardy of losing my earnest money deposit on their behalf. I gave ample notice, I have written messages to Navy Federal, I have sent emails, I have called several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i am a victim of the XXXX  data breach and my information has been compromised. the account they are reporting is unvalidated and is not mine and is currently in litigation. 
please have them remove this unvalidated information from my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRUIST FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
DATES : XX/XX/2018 SUNTRUST : CHECKING ACCOUNT FRAUD PERSON THAT COMMITTED FRAUD IN THE INCREMENTS WERE OVER {$1000.00}. PERSON NAME ON XXXX WAS XXXX XXXX SOMETHING OVER SOCIAL MEDIA. 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 2018-04-29
Company: Lending Club Corp
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a loan in XX/XX/2016. They said no hidden fees. But the amount deposited into my checking account was less than the amount I was expecting. They said it was processing fees. 
I see the FTC has filed a lawsuit and I want to be a part of it. I am paying interest on money that I anticipated having for my use, not sudden mysterious fees going back to Lending Club. 
Also, if you are over 15 days late but before 30 they add a late fee to THAT payment due. Most companies add to following monthly statement. So if you pay only amount you think is due and don't include the sudden late fee, then you will be 30 days late because you didnt pay enough. They are very sneaky and can ruin someone's credit with this tactic! 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I started receiving help notifications about saving my home from foreclosure and didn't understand why. I went to my online account site and it stated I had missed my XX/XX/2023 payment. I quickly called to no avail, telling them I have proof it was paid. I sent verification from bank that it was in fact paid. My account still showed I was behind by one payment. I filed another complaint through the PHH website asking what is the issue now. The Company representative stated that it wasn't the XXXX payment, but the XX/XX/2023 payment. I disagreed once again with him ( PHH Escalation Manager XXXX? ), and sent him proof of XXXX Payment. He assured me he would look into this and get back to me. It's been over a week and I still have had no communication from him. I have sent reminders and sent another complaint through the website. My account is now showing late for XX/XX/2023 on website and nothing has changed. Attempts to contact have led to a person who does not listen and argues with me with every question. I have documentation of their online transactions which make no logical sense with all kinds of transactions stating Misapplied funds etc.

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 2023-02-25
Company: EQUIFAX, INC.
State: KS
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, 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 convergent account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am an identity theft victim. Experian continues to side with affirm and does not remove or block this information. Neither affirm or Experian have provided concrete information proving I am lying about 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 2021-06-22
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX XXXX via text message, and by telephone ( cancellation department ) to request a cancellation of services. I requested that they send my the buyout amount, so that the account could be closed immediately. I was sent a cancellation agreement on XX/XX/XXXX from XXXX to complete via XXXX, and this was completed and returned. On XX/XX/XXXX I reached out to XXXX  cancellation department after being sent from department to department, and spoke with representative XXXX, who informed that the amount that I needed to pay to close the account was {$130.00}, and she indicated that they would be providing a 20 % discount, as I informed that I was not working at the time. I inquired why I continued to receive so many different payoff amounts from XXXX and was transferred to XXXX ( cancellation department ) who then informed that the amount that needed to be paid was {$140.00} ( which was supposed to be 20 % less that {$170.00} ) another different amount from the last representative, letters, and emails from XXXX. I was informed that this payoff amount would be documented in the account to avoid further notices and phone calls from XXXX, and agreed to go to their portal following the phone call to pay {$140.00}. However, when I went to the portal to pay the final amount it indicated that they amount due was {$130.00}, which I paid ( confirmation # XXXX ). A month passed and then the phone calls to both myself and my husband continued numerous times a day, along with letters. On XX/XX/XXXX, after the continued phone calls and letters, I reached out to XXXX  via text message and requested that they stop contacting me as I had already paid off the amount that they told me to pay to close the account on XX/XX/XXXX. I was told to contact the cancellation department again, and refused to, due to the numerous attempts and confusion that I had already dealt with. During the past 10 months we have received several letters from XXXX acknowledging the request for cancellation, as well as numerous offers to return at a lower amount, which is equally frustrating, since we have been making payments to XXXX since XXXX of XXXX. My husband and I received a phone call from " XXXX '' collection agency today requesting that I provide him with the reference number that he provided, along with the cancellation letter, the amount paid ( which he already was aware of ) and the last 4 digits of the card used to pay the {$130.00}. I am skeptical of providing this collection company with any information, outside of what was provided to them from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-05-04
Company: United Shore Financial Services, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I requested a loan payoff in XX/XX/XXXX. Once received I sent it off usps certified mail with a negotiable instrument for the total amount needed to satisfy the balance due on the account. I can upload the proof of delivery. A few days after it was delivered, I followed up on a call to verify if the account was settled with United Wholesale Mortgage the servicer to my mortgage. The agent stated to me they could not find anything in the system showing receiving of any tender of payment. I waited a few weeks to see if it would turn up and it has not. I then ordered another payoff and sent in another instrument for the total payoff. I have the proof of delivery which i can upload. The agent at United Wholesale Mortgage ( servicer ) once again stated it they could not find the payoff and the instrument. 
31 CFR 596.307 - Monetary instruments.

596.307 Monetary instruments.

The term monetary instruments shall have the meaning set forth in 18 U.S.C. 1956 ( c ) ( 5 ), as from time to time amended. As of the effective date, this term includes coin or currency of the United States or of any other country, travelers ' checks, personal checks, bank checks, and money orders, or investment securities or negotiable instruments, in bearer form or otherwise in such form that title thereto passes upon delivery.

15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EMCC Holdings, LLC
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Equiant  ( XXXX XXXX ) haven't respond to none of my letters to get out of the time share when I was only 2 weeks in the time share from XXXX  XXXX  I never received a responds and been trying to go so many ways to get out of XXXX XXXX time share, do to lost of my home because of lies of the XXXX XXXX, I have talk to multiply people at XXXX XXXX said they received the letters and would get back to me by letter or call they also lied about that as well, now I'm really in debt do to covid-19 struggling with XXXX kids. please i just want this account completely deleted off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00}

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 explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: OH
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}

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 explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/ but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: DC
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:
Good morning, I am writing because my credit report is showing my credit history to be four months old. It does not show any past mortgage payments or home equity loan payments or accounts. Both are close now, but should be represented on my account for ten years. I have called repeatedly, only to be transferred from one associate to another, none of whom have spoken to each other, causing me to restart the process each time I have asked for a supervisor, with seemingly no greater knowledge or access to the information or remedy than the associate. This has caused me to be denied by creditors, despite them acknowledging my credit worthiness. Additional documents, and email correspondences to be forwarded at the convenience of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 Portfolio Recovery added a derogatory amount on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for this account. Debtors creditor did not verify this account collection. Also, there is NO form of written communication, contract or signature, for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, Portfolio Recovery has violated my rights as a consumer and I'm requesting legal action to remove this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
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: Their investigation did not fix an error on your report

Complaint:
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!

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 2023-09-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX has inaccurately provided information to consumer credit bureaus ; My XXXX  loans were transferred to another company in XX/XX/2023, yet XXXX is still reporting open accounts with a balance of over {$60000.00}. I no longer have an account with XXXX. My loans were transferred to another company and completely forgiven! My student loans balance is {$0.00}. 

XXXX ) Experian - I filed a dispute with Experian. After XXXX days, Experian responded that they resolved this dispute. But - the loans are still showing a balance of over {$60000.00}. Experian did absolutely nothing to resolve this dispute. As a paying consumer for Experian, I deserve better than this.

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