BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: Convergent Resources, Inc.
State: VA
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:
I am writing to file a complaint about the collection and reporting practices of XXXX XXXX. 

In XX/XX/XXXX my husband and I lost our home to foreclosure and moved into an extended stay hotel, and have been living here ever since. ( Not by choice but because of foreclosure ) We did not immediately have our mail forwarded so I dont know if we received a final bill or not, but a collection from XXXX showed up on my credit report shortly afterwards. For a brief period of time they reported it, but then it was removed. 

XXXX  year ago in XXXX, I had finally reached the point that we could apply for an apartment, but when I did we were denied. The reason was a new collection. The new collection was a collection by XXXX, but the dates had been changed to show it as a recent delinquency. When I called the XXXX billing department the man admitted to me that he had pulled back the first collection and re-submitted it with a new company. He told me if I didnt like it I could just pay my bill. 

Then I went into the office and asked for information to prove the debt and they told me they didnt have anything to show me because there was no information in the computer. So I disputed it with the credit bureau and after several attempts I was able to have the re-aged collection removed from my report. But it took a year to return to my previous score. 

Now a year later in XX/XX/XXXX my credit score had gone up enough that I was pre-approved for a mortgage, but before the process was completed a new collection, from a new collection agency for XXXX XXXX, for the third time has appeared on my report again. It is not a collection that shows the status date XXXX, instead it says it was incurred a month ago. And it is glaringly showing up as a new collection again, my XXXX score has dropped, and I now have to wait to buy a home or rent a house.

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 2021-11-10
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the account, RENTONCOLL, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: LA
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.

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 2021-05-13
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I hope all is well I wanted to start off by saying I appreciate banking with you and the over draft protection thank you very much and I apologize this has happen. Im writing because I lost my bank card and I been trying to get an representative over the phone for over a week and every time I call its 25-30 min hold times. I can not waiting on hold that long so I dont know if Im calling in at the wrong time but its like all day through out the day. Im not able to go in the branch due to the virus and I have a XXXX XXXX  and a XXXX XXXX XXXX and Im not risking there lifes or mines. Because it seems like the virus is getting worse not better even though its an vaccine out. I needed a new card mail to me, which one is on its way because I have a check from XXXX the I could of deposit it to avoid the overdraft fees and the return check fee. Its not my fault that is an pandemic thats what caused my fees. I would been had my check my back pay from XXXX if the virus never came is delaying everything and making it hard for me to handle my business due to I cant risk catching the virus or bring my children in places especially my newborn that can wear a mask. This is all a big mess. I really need my fees back like its honestly not my fault and I truly apologize. Once XXXX starts releasing my back pay from 2015 everything will get better. I also talk to them about mailing my check instead deposit it because this wouldnt of happened at all. I just cant go in to the branch to get a new card its too risky so its all the pandemic not my fault. I apologize again. Thank you for your time. Have a wonderful day and please be safe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXXXXXX XXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.

Company response to consumer: In progress
Consumer complaint received 2023-02-27
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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: Account status incorrect

Complaint:
I enrolled in this lenses COVID 19 program in XXXX. I was incorrectly hit with a late payment on my credit and drastically impacted my financial situation during these hard times. I have already paid this company the amount that was supposed to be differed and I am current with them. When I made the amount to be current their rep said sometimes during the COVID hardship program late payment get reported incorrectly. Still I am getting the run around and no assistance whatsoever. This should not e tolerated in a time like this because of an employees incompetence.

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 2023-02-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1. My attachment will reflect my dates of inaccuracies 2. illegal showing of my XXXX history 3. Personal information shared without consent 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 Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) Your consumer report should not include transactions or experiences, my line of credit and payment history are a record of transactions which is a clear violation of 15 U.S.C 1681 ( A ) ( 2 ) i EXCLUSIONS.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Dovenmuehle Mortgage, Inc.
State: GA
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:
My mortgage loan is currently backed by XXXX XXXX, owned by XXXX XXXX and serviced by Dovenmuehle for reference. It has been a nightmare to work with them during the pandemic as I had requested to be put in Forbearance under the guidelines of the CARES act. 

To summarize my experience, I have called in to both the Customer Service and Loss Mitigation departments scores of times and have consistently received conflicting information about the Forbearance process. I had completed my Forbearance in XX/XX/XXXX and had elected to move forward with the Payment Deferral option. I had been approved for the Deferral in XXXX, but it did not process until this month, XX/XX/XXXX. 

I was relieved that the Deferral had finally processed, but then saw that XXXXDovenmuehle had reported to the credit bureaus that my loan balance had increased beyond that of my original loan amount. This makes absolutely no sense as I was advised from the beginning that those missed payments during forbearance would not add on as additional payments, but simply be pushed back to the end of my loan. 

What is even stranger is that my most recent statement actually reflects an accurate loan balance, but for some reason XXXX/Dovenmuehle are reporting a much higher balance to the credit bureaus. I have called in multiple times to rectify this, but as usual have received no helpful responses, let alone a representative that even understands what is going on. I just want this nightmare to end. I am exhausted of having to call in to this incompetent organization time and time again and never receive a solution or even any helpful feedback. Please help me for the love of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Subject : Request to Reinstate My Personal Paypal Account : XXXX Dear CFPB, I received email from Paypal with this information saying that my Paypal account was Permanently Limited due to sale of XXXX oriented materials or services ( as stated in PayPal ( Ref ID - XXXX ) ) which is NOT TRUE because I have been using this Personal Paypal Account for over 10 YRS now in my VA Freelancing Services. I am NOT aware of and have no knowledge about that, hence I am only selling Digital goods and Services that include Copywriting, Content Creation, SEO Keywords Research and Competitors Analysis, Web Design, and content creation and Social Media management where I deliver to my individual clients and the clients pay me per task or per project. I have attached the Summary of Invoice for the month of XX/XX/2023 at the bottom. Kindly see the attachment. 


Please HELP to reinstate my personal Paypal Account as I am losing income from services that I have been receiving on a daily basis from my Clients since I cant use this paypal for permanent limited reasons. Here is the detail of my Paypal Account for your reference ; Nature of Request : Reinstate and lift the PERMANENT LIMITATIONS Paypal Address : XXXX Paypal Name : XXXX XXXXXXXX Hoping for your immediate action on this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: I.C. System, Inc.
State: GA
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:
IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt. I called and paid it immediately. I never received a call, notice, or letter about this debt and that violates my 30 day right to dispute.

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 2023-11-08
Company: EQUIFAX, INC.
State: FL
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 had a convenience card from XXXX and XXXX for my son as simply an authorized user while he was in college. The account belonged to me and I was the only signature on the contract. He is seeing both these cards on his credit report currently and they are dragging down his credit score. He has zero responsibility for the balances, I do personally and singularly. He has called both XXXX and XXXX repeatedly and they have done nothing to reconcile his credit with the credit bureaus. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint regarding Marcus Goldman Sachs. 

I called on XX/XX/XXXX to request a wire transfer of $ XXXX to my checking account on file as I am closing on a house the week after and need to make sure the money is available. I tripled checked that they let me know if there are any issues as this was a time sensitive matter, and they agreed. 

Fast forward XXXX  XX/XX/XXXX and the wire transfer still hasn't been received. I called again the same day and inquired and they confirmed that the wire transfer has been sent but I need to contact my received bank ( XXXX ) as maybe they are having trouble processing it. I called XXXX and they confirmed that no wire transfer has been sent. I then called Marcus back and they said that there was a problem with the wire transfer but that they are unable to tell me what the issue is. I remained patient ( albeit furious on them not taking any responsibility ), and after wasting another XXXX mins over the phone they said they sent an expedited wire transfer. Later the XXXX, I called to double check so they said that the wire transfer has been sent AFTER the cut off time which contradicts what they told me and that will waste another business day when I have a deadline to close on the house that I need to meet. I asked again why the negligence and she laughed it off rather than taking any responsibility. And still I have no idea when I will receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: PA
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:
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. This is improper use of my credit report! These agencies must be looked at for predatory tactics and malpractices. When I initially disputed the items attached to this complaint, they had said that they " verified it ''. I am now requesting that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file ... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).

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 2021-05-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MS
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 have been receiving calls saying I have an unpaid balance with hsbc. I never had a hsbc cars. They keep calling and harassing people I know like I am a felon. First it was for a card ending in XXXX today it was XXXX. I never had no cards from them and the reference people they gave me I would not use them as a reference. I am being harassed and threatened with legal action daily. Sending paperwork asking me for a settlement of less than the amount. Contacted the better business bureau they referred me to you. Lady told me over the phone I had been served. Served what. I think my identity may have been stolen as my daughter moved out of a house and may have left paperwork with important numbers on it. Due to the fact the landlords daughter is one of the people they say I used as a reference and I never did.

Company response to consumer: Closed with explanation