BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-03
Company: Consumer Adjustment Company Incorporated
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company called my ex husband and said I needed to call them. I also have a voicemail where they're threatening to call my employer. 
When I called the number he gave me, and the number in the voicemail, I was told they were an attorney 's office getting ready to file suit on me but if I made a payment right now, they'd stop it. 
When I asked for their name and address, they would not give it to me. They were very nasty about it. 
When I called back again, a different person told me they don't take payments and they are filing with a county I don't even live in. Even though the lady right before him was ready to take my card info. 
I told them to not call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: WHEELS FINANCIAL GROUP, LLC.
State: AZ
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:
This account is closed, yet the company keeps posting late payments every month to XXXX  and other reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2022-12-20
Company: Experian Information Solutions Inc.
State: NY
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 is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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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 2022-11-07
Company: EQUIFAX, INC.
State: GA
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:
My rights In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX US DEPARTMENT OF EDU Account Number XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU Account Number XXXX XXXX XXXX XXXX Account Number

: XXXX, has violated 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: GA
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:
THIS XXXX COMPLAINT AGAINST EXPERIAN IS IN RESPONSE TO THE BLATANT LIE THEY TOLD REGARDING THEIR REPONSE TO COMPLAINT NUMBER XXXX REGARDING THE UNLAWFUL COLLECTION AND FRAUDULENT ACCOUNT PUT ON MY CREDIT REPORT BY XXXX XXXX XXXX XXXX Account XXXX XXXX. I DO NOT HAVE AN ALARM WITH XXXX  NOR HAVE I EVER HAD AN ACCOUNT THAT I AUTHORIZED FROM THEM. THIS COLLECTION COMPANY HAS NOT CONTACTED ME TO ASK ME OR TO VERIFY THE ACCOUNT AND EXPERIAN HAS LIED TO THE CFPB INDICATING THAT THE ACCOUNT WAS VERIFIED BUT HAS NOT SENT ME ANY DOCUMENTATION STATING THAT I SIGNED FOR AN ACCOUNT WITH THIS COMPANY NOR HAVE THEY CONFIRMED THAT THIS THIRD PARTY IS AUTHORIZED TO COLLECT ON THIS XXXX COMPANIES BEHALF. NOR HAVE THEY SENT ME ANYTHING SHOWING THAT I EVER HAD A CONTRACT WITH THIS COMPANY NOR HAVE THEY PROVIDED DOCUMENTATION THAT THE STATUE OF LIMITATIONS HAS EXPIRED.

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 2020-08-15
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:
Hello, I have been contacting Experian, XXXX and XXXX   since XXXX of this year to inform them that the information they are reporting is false. Originally I had different names, addresses a different social security number and 5 accounts on my credit. I have sent them a police report and they have removed the names, addresses and social but have failed to remove the 5 accounts that are detailed in the report. I have called and have not been able to reach anyone by phone. I am requesting your assistance .... i know we are in an economic disaster but it shouldn't take this long. 

XXXX XXXX XXXX XXXX??? Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number 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 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
I have asked XXXX, XXXX and Trans Union to provide for me the documents with the original signatures and they have not.

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 2020-08-15
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a {$3000.00} Principal Only Payment to my mortgage company on XX/XX/2020 and they took out interest. 

Every time I make an extra payment to my mortgage company requesting it be applied to principal ONLY they always take interest out. I have to follow up with a call and they reverse it and apply it to principal. This time I have called 5 times and each time they refuse to fix it or put a manager on the phone. They promise someone will correct it and contact me but they have not followed through. 

I sent my XXXX payment on XX/XX/2020 and that is the payment that interest should have been taken out. 

I sent an email as well as advised by one of the representatives breaking down the payments but still no response. 

Thank you for your help in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had to take a forbearance during covid. They put 3 of my loans in deferment. But my home I am living in they have refused to put the payments at the end of the mortgage. They have been rude they have hung up on me after waiting to talk to someone. They sent paperwork that has errors. I can not get anyone to send the terms I was offered with my other loans. I do not understand why they are doing this. Loancare is the servicer now and they do not know what good service is.

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 2021-04-01
Company: Experian Information Solutions Inc.
State: OH
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 started using the Experian app and Experian Boost several months ago. Experian Boost links your utility bills to your credit report, often raising your credit score. 

On XX/XX/2021 my mortgage lender XXXX XXXX XXXX XXXX XXXX XXXX pulled my credit report for the first time for this refi. 

Early in the week of XX/XX/XXXX of this year XXXX asked me to remove the reporting of my utility bills from my credit report, as that reporting was hurting my refi application. 

On XX/XX/2021 at about XXXXXXXX XXXX EST I used the Experian app to remove all the utility reporting through the Boost feature. 

On XX/XX/2021 at XXXXXXXX XXXX EDT, on a 20-minute call, I asked an Experian customer service rep by phone if the utilities would continue to show up on my credit report. She assured me that they would not appear. 

On XX/XX/2021 at XXXX XXXX EDT I asked XXXX to pull my credit report again. 

On XX/XX/2021 at XXXX XXXX EDT XXXX told me that the utilities were still showing on their second pull of my credit report. 

On XX/XX/2021 at XXXX XXXX  EDT, on an 8-minute call, I explained my situation to an Experian customer service rep by phone. She said that I would have to contact the Dispute Dept. but that they were done for the day. She gave me a number to reach the Dispute Dept. 

On XX/XX/2021 at XXXX XXXX EDT, on a 40-minute call, I explained my situation to an Experian Dispute Department rep by phone. He said that he did a soft pull on my report and the utilities did not show up. 

On XX/XX/2021 at XXXX XXXX  EDT I asked XXXX to pull my credit report again. 

On XX/XX/2021 XXXX pulled my credit report for the third time. 

On XX/XX/2021, at XXXX XXXX  EDT, XXXX told me in an email that the utilities were still showing on my credit report. 

You can see in the attachment provided by XXXX that the four highlighted utility entries all show as self-reported bills at Experians XXXX, Texas address. 

Experian 's failure to resolve this problem is making my mortgage refi increasingly unlikely, since the dramatic decline in two of my credit scores can be partially attributed to the three hard pulls XXXX has had to make since XX/XX/XXXX. My XXXX score has dropped 25 points, from XXXX to XXXX. My XXXX score has dropped 17 points, from XXXX to XXXX. XXXX tells me that anything below 630 will probably disqualify me for the refi.

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 2023-04-20
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX CARD XXXX, XXXX CARD XXXX, and ( Original Creditor : XXXXY ) XXXX have 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 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 2018-04-09
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX: XXXX XXXX account closed and paid in full. 
XX/XX/XXXX : XXXX XXXX started withdrawing money from my checking account, I stopped the payment. 

XX/XX/XXXX : XXXX XXXX sent to collections, Convergent. I disputed twice with XXXX XXXX and they said it can't charge me once account is closed but they couldn't get Convergent to return the charge off to get taken care of for me. 

I tried two other times through agencies credit reporting dispute process. They still did not remove and said it is a good debt. 

XXXX XXXX said not good, but yet Convergent says it was good. After account was closed I was charged. 

This is on my credit and now I have to pay to get a home mortgage or they will not try to finance me for XXXX dollars. I have no problem paying this, my credit score is over 750 but for some reason the bank wants me to pay this off. 

Please have them remove this from my credit. They are harming my purchase of a home.

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 2020-08-15
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2020 I sent letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-04-01
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have three Navient private student loans originated in approximately XXXX. I had difficulty making payments and was unable to arrange suitable payment agreements for these loans in the far past. Eventually the three loans charged off in approximately XXXX and remain on my credit report. 

I would like to now establish a payment agreement with Navient for these loans, but I have had great difficulty dealing with this process over the past 5 months. I have made many calls to both Navient and also XXXX XXXX, who apparently places Navient loans with collection agencies or attorneys with whom I would be able to negotiate payment agreements for repayment. 

To summarize, Navient seems to continually ask XXXX XXXX to place the loans. Then XXXX XXXX is unable to place the loans, as it seems that there is no agency or attorney interested in these accounts, as these loans have passed the statue of limitations in my state of residence, Pennsylvania. XXXX XXXX continues to return the accounts back to Navient since they can not be placed. Then Navient again starts the whole circular process over again. I have made many phone calls, even trying to resolve this issue with the Navient escalation department, but all of my efforts have been unsuccessful. 

Navient certainly seems willing to receive any monies that I might send them, but appear to be completely unwilling to discuss or establish any formal agreement with me. I need a formal payment agreement with documentation that I can provide to other future lenders so that I can demonstrate I am making efforts to address these past arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file a dispute against Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like Experian, XXXX & XXXX are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that Experian, XXXX XXXX XXXX has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore Experian, XXXX XXXX XXXX has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of Experian, XXXX XXXX XXXX actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of Experian, XXXX XXXX XXXX unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate Experian, XXXX XXXX XXXX for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease/delete all unlawful furnishing of data onto my credit report of which I mentioned above without my written consent Thank you for your attention to 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 explanation
Consumer complaint received 2020-08-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I made payments towards my credits cards in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( There maybe more instances but at this time I am waiting on hard copies of my bill and can only go this far back online history ). 

I contacted the company each month requesting they apply my payments to my promotional balances first prior to my general balance. When reviewing My statements I see that I was in fact charged the amount of my payments as purchases on the following respective billing statements. 

Example ) I made a {$130.00} payment in XXXX and requested it be applied to my promotional balance. My XXXX statement shows a purchase amount of {$130.00}. 

I contacted the company and asked to be refunded any false purchases and interest/finance charges associated with these false purchases. 

They said they arent able to refund interest and could give flat credits for the amounts.

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 2022-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This account was opened & closed without my acknowledgment .I reported it as fraud but my claim was not supported. i paid off the account and agreed with the bank that this account would be removed from my credit/background upon receiving payment .She as well agreed I requested 15 days for removal even though she insisted 30 days. i am still unable to unlock my current bank account or use it just cause of this report. I would like it to be removed and updated expeditiously.

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