BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: NY
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. 

Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Started getting phone calls and caller would not identify them self unless i would give them my personal information so they would hang up, finally got them too tell me the company name ( Convergent Outsourcing Inc ) and who they where and also got too tell them it was regarding a XXXX XXXX account that was discharged in a Bankruptcy back in 2015. The calls have become a daily call and very aggressive and they just hang up because i refuse too provide them with my personal information.

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 2020-12-29
Company: Freedom Mortgage Company
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing in regards to a late payment on my credit report from for XX/XX/XXXX on my Freedom Mortgage account # XXXX opened XX/XX/XXXX, highest balance {$420000.00}. The late payment occurred due to a third-party error. ( See Attached proof ) and my medical condition that its been really difficult, especially by XX/XX/XXXX.

On XX/XX/XXXX, I received a payment confirmation from this third party company stating that my payment was successfully submitted. Beginning XX/XX/XXXX, I received a letter from the third-party company stating that they committed an error and my payment did not go through. Before this, I was not even aware that my account was carrying a balance and had a late payment. I immediately made the payment on but by that time I was already marked late. 

All this happened along with my medical condition. I had XXXX XXXX diagnosis and I was under treatment and I didnt have a job. It was overwhelming. This was a situation that I could not control. Now I have a perfect record of on- time payments. 
As a courtesy, I am requesting that Freedom Mortgage do a goodwill adjustment and remove the late payment from my record. You have been my bank for a long time, and I hope to continue having a wonderful relationship with your company. 

Thank you for your consideration. See attached : Medical proof

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 2023-07-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Late XXXX  on XXXX XX/XX/2023 we made an arrangement with a moving company that misrepresented themselves. They claimed to be affiliated with a recognized company, which they were not, and we immediately tried to cancel the service before they processed the payment on XXXX XXXX. They were unresponsive, so first thing that morning I contacted Chase bank to try to stop them from issuing funds to the merchant. We cancelled the debit card and were issued a new number, so the funds should never have been withdrawn. 

The bank statements indicated that they did post the charge anyway on XXXX XXXX, but it was refunded by Chase bank on XXXX XXXX. I thought the issue was resolved. 

More than 45 days later, on XXXX XXXX I saw that the charge was being reversed again to my account. I contacted Chase who said they substantiated the claim with the merchant and I should try to follow up with them, but that is impossible. The representative even said it sounded like I was scammed, but they were unwilling to help. They are siding with a fraudulent entity rather than a loyal customer. I acted as swiftly as I could to try to prevent the scam. 
I have not been provided the evidence from Chase, but I expect it relates to a clause on the agreement that it couldn't be cancelled within a timeframe without forfeiting the deposit, but I believe that is an illegal contract stipulation, as there should be protection that any such contract can be cancelled by written request, which I tried to do to revoke authorization of the payment before it was processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: NC
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:
I haven't made the best attempt at resolving this matter. I was homeless five years ago then my credit became poor. Unfortunately a strange woman stalks me and horrific crimes against me have taken place since the last time she was released from prison for crimes against me. I paid some of my debts over the past five years and I expected my credit score to increase but it has been XXXX before XXXX when it's now XX/XX/XXXX. I read my report online in an attempt to understand why no change for practically five years and although I'm sure XXXX is wrong the reporting states I am receiving nonpayment feedback every month from open collection accounts and it reports accounts are open which have long ago charged off and closed. I should know I defaulted and havent any credit account since XXXX although some creditors claim an open account. I demand someone legally investigate and increase my score because I'm sure it's XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-10-26
Company: BANK OF THE WEST
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Originated Loan with Bank of the West Essex Credit in XXXX XXXX CA During Application process, Loan Officer assured me the vessel would be Coast Guard documented in name of LLC of which I am 100 % owner. Now that loan has closed they refuse to do that leaving me unable to document vessel with Coast Guard

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 2018-11-25
Company: Westlake Services, LLC
State: NC
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 received info from XXXX stating that the information on my credit report is accurate from Westlake Financial services, however when I spoke to the person who collected my last payment he made it clear to me that it will be removed, now its showing as charged off / settled for {$290.00} which us another lie because I paid {$300.00} because of this back in forth I have no other option than to sue this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Navient reported 4 late payments to the credit bureaus for the months : XXXX and XX/XX/XXXX ; XXXX and XX/XX/XXXX. Note, I was and am on income repayment plan and my bill was and is $ XXXX. Certainly, I can not be late paying $ XXXX. I reported this to the credit bureaus- they said that they could not remove and only Navient could and Navient confirmed to them that I was in fact late those months and refused to remove the 4 late payments. I contacted Navient directly on XX/XX/XXXX - I spoke with XXXX who insisted over and over that I was not late and that Navient never reported my account late for those 4 months ( or ever ). I insisted that they did since it shows on my credit report and she said that they did not so this so they can't tell them to remove something that they never reported in the first place. I asked if there was a formal appeals process or any avenue to have them look into this and she said no. So, I am stuck with this on my credit report because they are denying the existence of it so I can't appeal something that they say doesn't exist. Can you please help me. They verbally confirmed that this wasn't reported and shouldn't have been reported so there should be some way for them to allow me to do a written appeal at the very least to Navient directly. Thank you kindly! : )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
new coolection on credit report from unkwn agency

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: ME
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 tried to file a dispute multiple times over two years with the three credit bureaus. i have supplied verifying documentation. the credit bureaus have not updated the accounts with accurate information. i called the credit company and they said they were not able to supply accurate information or did not have the information required for the report. they requested that i supply them with their own documentation. furthermore, it is clear that the credit bureaus and credit provider have limited the ability for consumers to submit information or to contact them in ways that are significantly detrimental to average consumers. the corporate culture that has been developed is significantly detrimental to certain demographics too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX  account was opened in my name years ago via identify theft. Report was filed and company absolved me from the debt and verified it was fraud but yet continued to sell the debt to collection agencys who is trying to collect on this debt that isnt mine currently. They readded this identify theft under the new collection agency.

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 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
RE : Account # # XXXX I have attempted to dispute this account various times and each time the dispute returned as verified, reported accurately. I have even mailed in a method of verification for this account and have recieved nothing but an updated credit report each time. No response as to how, why or what they used to verify this account is accurately reporting, let alone that this account able to be reported to my credit file per FCRA. I have mailed this company multiple times asking for validation and each time the they have either failed to respond or have not produce anything showing such. You will see in my letters dated XX/XX/XXXX and XX/XX/XXXX that I have repeatedly made these offers. XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/XXXX however as a courtesy I gave them another 17 days to respond which they did not. This settled the matter, once and for all, on XX/XX/XXXX. It seems to me that there is no original instrument of indebtedness in existence, which again settles the matter legally and financially. As of the date of this letter XXXX XXXX XXXX, I still have not received an instrument of indebtedness. I hereby request that you would remove Acct # XXXX. Also attached are a copy of the letters i sent, as well a certified mail receipts and return receipts showing that these letters were sent and received.

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 2022-11-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # ending in XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ACCT # ending in XXXX. No full number shows on the report. 

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 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 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 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 No full number shows on the report. 
All above have violated my rights. I am respectfully requesting the removal of the negative information from my credit report to all three reporting agencies. 
XXXX XXXX XXXX XXXX XXXX  A states I have a right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXX A states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX ( a ) ( XXXX ) section states no consumer reporting agency may make any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 
XXXX XXXX XXXXXXXX ( A ) ( XXXX ) 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 2020-12-29
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: Their investigation did not fix an error on your report

Complaint:
Please be advised this item of XXXX XXXX XXXX was deleted from my equifax credit file back XX/XX/XXXX due to fraudulent activity. 
Now i have discovered that this item has been reinserted on my credit report as of XX/XX/XXXX. 
In accordance with the requirements of the FCRA section 611? ( a ) ( 5 ) ( B ) ( ii ), Equifax is required to notify me of the reinsertion in writing within 5 business days. I received no such notification. I am demanding that Equifax delete this item immediately. This is a very serious violation of the FCRA. 
Your help is appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have recently refinanced my mortgage loan and the previous servicer was SWBC Mortgage. In this process, I have experienced two main issues related to payments and escrow accounts.

The previous loan was paid in full to SWBC Mortgage as of XX/XX/XXXX. In anticipation of the upcoming pay-off, I canceled the " automatic payment '' feature on the account on XX/XX/XXXX. The payment was still automatically withdrawn from my bank account at the beginning of XX/XX/XXXX, despite the loan being paid in full and the request to discontinue automatic payments. When the withdrawal was still pending with my bank, I called SWBC and asked them to intervene and I was told there was nothing they could do, and that the funds would be returned to me ASAP.

After several weeks ( on XX/XX/XXXX ), when I had not received the refund for the mistakenly drafted payment, I called SWBC and asked when I could expect to receive it. I was told that this payment refund would be coupled with the escrow account settlement and that I should receive it within 20 business days from the payoff date of the loan, which would be Monday, XX/XX/XXXX.

Well today is XX/XX/XXXX and I have still not received the escrow settlement or the refunded payment. And so I called again today ; and I was told that the payment would likely arrive next week sometime.

To summarize, my complaint is that a payment was erroneously withdrawn and the remediation has taken far too long, and the timeframe for the escrow account settlement has exceeded the required 20 day window.

Thank you, 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