BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am homeless and XXXX. 

With the help of an advocate at the homeless agency where I reside, I contacted Convergent Outsourcing, which is handling the debt for my XXXX account. 

On XX/XX/XXXX, XXXX my advocate and I talked with a Convergent representative who offered to settle the debt for {$470.00}. The original debt was {$1500.00}. The representative agreed to email a new statement with the agreed upon settlement figure to my advocate. That statement never arrived and we called again on XX/XX/2022. On the XX/XX/XXXX call, we were informed that the company 's representative we had spoken with had committed an error and that the company would not honor the agreement they had made with us. The person we spoke with on XX/XX/XXXX verified that the offer had been made. 

I want to settle this debt, but only for the amount we agreed upon. Can you 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 explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In light of your report on Bank of America, I can tell you the issues with them rearranging and double dipping late fees goes all the way back to 2008, at least. I closed my account with B of A in 2008 because of what they were doing to my account. I confronted bankers in the lobby, here in XXXX, to which they agreed with me that B of A did what they did. They tried to undo it and credit it back to my account, but the 'System ' would only allow them to refund {$20.00} at the time. This was the same time frame that Bank of America was bailed out by us tax payers. It's no surprise that year they charged customers the same amount in overdraft fees as the amount they were bailed out with. It made me furious, but I felt I had no recourse, until I saw the news that you were going after them. If it's not too late for me to help in this situation, I'll give you anything you need to 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 explanation
Consumer complaint received 2023-05-03
Company: SYNCHRONY FINANCIAL
State: KY
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:
My Experian credit report shows increasing charges each month from SYNCB/PPC for delinquent payments for an account which I do not own. I opened an account with Pay Pal back in XXXX but was never able to get it to work. That is the only account I have ever opened with Pay Pal. When I spoke to XXXX, they said this account was opened in XXXX. That was NOT me. It has caused my excellent credit score to plummet. I contacted the number associated with this report and SYNCB/PPC and was told by multiple people that they didn't know what this was because I have a balance of XXXX  . I have filed a fraud alert with XXXX. I also contacted XXXX again yesterday and talked with a lady because now the XXXX report shows the the payment status is Charged off. The XXXX lady said that would also bring my credit score down. I am at my wits end. I have tried everything I know to resolve this issue. I have always maintained a excellent credit score until this mess started. I have also contacted my bank and asked them to check into what I needed to do. She has tried several avenues and has had no luck figuring this out. Please help!!!!!! Another thing that is very interesting about this is that I have never received a bill or a statement or any communications about these charges until it started showing up on my XXXX account.

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 2023-08-08
Company: MortgagePros, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a HELOC with a lender. After applying, I was bombarded with phone calls from mortgage brokers with no apparent affiliation to the lender I submitted the application with. One of those brokers was MortgagePros , LLC and their representative XXXX XXXX ( XXXX : XXXX ). During our interaction it was made clear that I was interested in a HELOC. After obtaining my information and claiming to look for the offers in my best interest, it became clear the broker was fixated on a cash out refinance of my existing mortgage with no intent to fulfill my request for a HELOC. I explained my intent to repay the HELOC within a short time period as opposed to the 28 years remaining on my mortgage. XXXX XXXX was relentless in his attempts to sway me toward the refinance, a move that would have ended up costing me close to $ XXXX more. 

Current Mortgage Remaining Term Balance : $ XXXX 3.5 % for 28 Years = $ XXXX Requested HELOC : $ XXXX 12.9 % for 15 Years = $ XXXX That totals $ XXXX over the life of both loans and I had no intent of letting the HELOC balance carry for more than 3 years. 

MortgagePros LLC was pushing me toward a cash out refinance, which would have been approximately $ XXXX 6.5 % for 28 Years = $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX, I filed a dispute with Experian regarding two XXXX XXXX XXXX loans opened in XXXX and XXXX respectively. These accounts were settled as a part of a Rehabilitation Agreement ( pursuant to the Higher Education Act of 1965, Section 464 ( h ) which was satisfied in XX/XX/XXXX. I provided documentation from the state of Michigan Department of the treasure that all student loan debt associated with my Social Security Number ( which includes XXXX XXXX XXXX ) were satisfied. I also provided documentation from the ombudsman at Federal Student Aid ( FSA ) under the Department of Education that the debt was discharged. 

Lastly, I spoke with a representative at Experian on XX/XX/XXXX to explain the circumstances of the debt and I was told by the representative that they would conduct a further investigation but she could not tell me what procedures they followed in my case ( i.e. requesting verification from the debt collector ) especially considering that they credit report was showing that I had made payments on the in the last 18 months. 

Experian sent it's last message stating that the disputed item had been verified on XX/XX/XXXX but has provided no information about how this information was verified nor did they indicate how they evaluated the documentation I provided. 

The document from the State of Michigan Department of the Treasury was password protected by the State of Michigan -- the password for file " XXXX '' is 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 2023-05-04
Company: EQUIFAX, 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 several request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX, XXXX XXXX XXXX XXXX, ME XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$500.00}, XXXX XXXX XXXX : {$190.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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 fair credit reporting act. The list of accounts belowhas violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: KY
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 have disputed a bankruptcy inaccuracies on my credit report numerous times from XXXX and Experian. And the results remain the same as verified from XXXX XXXX. So I contacted XXXX and requested my public consumer report and there is no bankruptcy on there. I even called XXXX and they confirmed this as well. My question is ; if reporting is done monthly, and there's nothing on my report from XXXX how is that fair in verification? This is hurting my credit and needs to be removed. It is not valid. Furthermore, bankruptcy does not report to credit bureaus and XXXX doesn't have a bankruptcy on my file. Where is this validation coming from. The two bureaus will not remove this. This should be illegal, or some sort of violation.

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 2023-07-28
Company: Experian Information Solutions 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:
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 Home improvement with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$140000.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXXXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for home improvement loan due to the inaccurate information on my credit report.

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 2022-01-02
Company: TRANSWORLD SYSTEMS INC
State: FL
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:
TODAYS DATE : XX/XX/XXXX TRANSWORLD SYSTEMS I Reported : XXXX XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRANSWORLD SYSTEMS I Reported : XXXX XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX  of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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: Account status incorrect

Complaint:
I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update it to current/ paid as agreed.

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 2021-09-19
Company: Experian Information Solutions Inc.
State: PA
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:
The following closed student loan accounts are all over a decade old yet keeps reappearing on my credit report. According to the FTC, they must be removed as they are too old to be on file. Remove these from my Experian credit report immediately. 



U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX XX/XX/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 2021-06-04
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in deferral due to COVID. I was initially given the option of paying what I owed or adding the missed payments to the back end of my loan. When I wanted to add the payments to the back end of my loan I was told that option was no longer available and I would have to pay a balloon payment at the end of my mortgage of over XXXX or spread out my payment for an exceedingly long time frame. I am XXXX years old and the end of my mortgage will bring me to about XXXX. I am not sure I will have XXXX in one shot at that advanced age. I have spoken with Sun trust on multiple occasions and have made no head way. I made my 1st payment in XXXX ( that was the first payment once the deferment ended ). That went through. Then Sun Trust cancelled the XXXX payment that I had scheduled on line and barred me from making future payments. When I call, I am put in a queue saying I would be called back. The last call back just 20 minutes ago resulted in my answering and they not being on the line. I just want to resume making my payments and continuing on at the end of the loan the extra 12 payments that I missed due to COVID. As of XX/XX/2021 I received in the mail stating that they will not apply that check to my XXXX payments and also my account was placed in default of 10 days ago. They said they will not apply the payment and that they said to bring account current status they will need remit {$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 non-monetary relief
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

These accounts are also past the legal time to be reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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