BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-03
Company: Fay Servicing, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
in XXXX of XXXX, XXXX XXXX sold our Mortgage to Fay servicing. The XXXX payment was sent to XXXX XXXX. XXXX XXXX sent a letter to us advising that Fay servicing was the new lender and the payment was forwarded on to them. Fay servicing is unable, and unwilling to locate that XXXX payment. Starting in XXXX of XXXX, I began trying to work with Fay servicing to get this corrected. I provided them copies of the XXXX letter and front and back copies of the check that was sent for the payment. After 6 months of trying to get this resolved i was informed by Fay servicing that I needed to contact XXXX XXXX  and see how the funds were sent to them and get the conformation information.. Even though we have provided proof that the payment was made, fay servicing is reporting late payments on our credit report. 

After a conference call today with XXXX XXXX  and Fay servicing, Fay servicing stated that the onus is on them to research and locate the payment, and that until chase proves that they payment was sent, they were going to continue to report late payments to my credit score. This is now 7 months or trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company 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 2019-07-03
Company: Allied International Credit Corp., (US)
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Allied Intl. Credit XXXX keeps calling my home number. No one at this number owes a debt to Allied Intl.  Credit. I emailed Allied Intl. Credit to let them know they have a wrong number and for them to stop calling and I a reply wanting more personal info from me! I need these calls to stop. They have called me 3 times since I received their return email on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Convergent Resources, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021, I received an e-mail alert from XXXX  credit bureau that a delinquency notation was placed on my credit report by Convergent Outsourcing ( XXXX, WA, XXXX ) that an unpaid XXXX  bill was overdue, in the amount of {$3200.00}. I contacted XXXX on XX/XX/2021 and was told that my social security number ( SSN ) is not on-file with them, because, I have NO ACCOUNT with them. In addition, and most relevant, I DO NOT OWN a mobile telephone. XXXX instructed me to contact my local police department and report said fraud. I contacted the XXXX County Sheriff 's Department ( Maine ) and reported the fraud to Deputy XXXX XXXX  ( Case No. XXXX ), who advised me to contact your agency. I have attempted to contact Convergent Outsourcing and was told that they receive all information from XXXX, concerning my debt and SSN, BUT XXXX does not have my SSN, because I never had an account with them! Convergent Outsourcing offered no help in this matter! Therefore, the question is : how did Convergent Outsourcing report my delinquency to XXXX, employing my SSN, if XXXX does not possess my SSN and could not have given my SSN to Convergent Outsourcing? Would you please assist me in removing this delinquency notation from my XXXX  report. Thank you.

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 2019-07-03
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019, I visited my mailbox and discovered a letter from Associated Bank Cardmember Service indicating that I would be required to either respond or use my credit card by XX/XX/2019, in order to have my account kept open. Since I did not receive the letter until the beginning of XXXX, the account had already been closed. 

I called the Cardmember Service line and spoke with a representative, who said the account had been closed on XX/XX/2019. He instructed me to submit a letter to Associated Bank requesting that my account be reopened. I did so. That letter was mailed on XX/XX/2019. 

On XX/XX/2019, I received a letter dated XX/XX/2019 from Associated Bank Cardmember Service indicating that my account had been closed for longer than 30 days and could no longer be reopened. I called Cardmember Service that same day and spoke to a supervisor, XXXX. XXXX said she did not dispute that I had received the initial letter too late to act, nor that I had postmarked my request to reopen the account on XX/XX/XXXX. However, she said, the postal service was not Associated Bank 's responsibility, and therefore, my account would remain closed unless I wished to reapply. 

In summary : 1. Associated Bank sent me a letter asking me to act to preserve my account by XX/XX/2019. I did not receive that letter until XX/XX/2019. 
2. I spoke with an Associated Bank representative on XX/XX/2019, and was advised to send a request to reopen by mail. I did so on XX/XX/2019. My letter explained the situation in full and was dated XX/XX/2019. 
3. I spoke with an Associated Bank supervisor, XXXX, on XX/XX/2019, who did not dispute that I didn't receive sufficient warning to preserve my account, nor that I had requested that my account be reopened within the 30 day deadline. Despite this, she advised me that Associated Bank could not reopen my account and I would have to reapply.

I have made a good faith effort to follow their instructions in order to keep my account open. Closing, reopening, and reapplying for credit cards does damage to my personal credit score. I have been an Associated Bank customer for almost a decade, and I'm shocked that they would let our working relationship end in this terrible way.

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: 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:
XXXX XXXX has reported that the case is closed and balance paid.in 2018 and has not reported to any credit reporting agencies since 2018 .I have sent all 3 credit reporting agencies asking for it to be removed .they said no I sent a letter to child support asking do they report to the credit bureaus .child support sent me back a letter saying no they do not.I sent a copy of that letter and a letter asking for them to remove it and still cant get them to remove them

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 2022-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
OnXX/XX/XXXXI received a call from XXXX XXXX in the Bankruptcy department demanding I pay past due of XXXX. She called harassing me a very rude tone. The demanded I pay one month car payment. I was advised to pay monthly what I can. No mini Miranda was given. The calling demanding to pay. Very hostile.I paid XXXX last week call again this demanding past due. 


Access number XXXX I feel I have been discriminated due to me being an XXXX American. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Spring Oaks Capital, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am writing to file a complaint against Spring Oaks Capital LLC regarding their repeated calls and mailed correspondence in relation to a debt they claim I owe. Despite my efforts to resolve this matter through two separate dispute letters requesting verification of the debt, Spring Oaks Capital LLC has failed to provide any evidence to support their claim. 

The debt in question, allegedly amounting to {$570.00}, is purportedly owed to XXXX XXXX XXXX. However, Spring Oaks Capital LLC has not provided any contractual agreements bearing my signature, nor have they presented my Social Security Number or the correct address associated with the debt they claim I owe. These blatant discrepancies raise serious concerns regarding the legitimacy and accuracy of this debt. 

As a consumer, I have the right to request validation and proof of the debt 's validity. It is disconcerting that Spring Oaks Capital LLC has disregarded both my previous dispute letters and my right to obtain this information. This failure to verify the debt creates an unfair burden on my financial standing and negatively impacts my credit report without sufficient justification. 

Therefore, I kindly request your assistance in urging Spring Oaks Capital LLC to either provide substantial evidence proving the debt 's validity, including any legally binding agreements bearing my signature, or to immediately remove the disputed debt from my credit report. 

I believe that Spring Oaks Capital LLC 's unjustified persistence in pursuing an unverified debt goes against the regulations set forth by the Fair Debt Collection Practices Act. I trust in the Consumer Financial Protection Bureau 's dedication to consumer protection and their commitment to ensuring fair and ethical practices within the financial industry. 

Enclosed with this complaint, you will find copies of my previous dispute letters sent to Spring Oaks Capital LLC. I also authorize the Consumer Financial Protection Bureau to act as my representative in investigating this matter and to take the appropriate actions against Spring Oaks Capital LLC, in case their practices are found to be in violation of the aforementioned act. 

Thank you for your attention to this matter. I eagerly await a prompt resolution to this dispute that will safeguard my rights as a consumer and protect my financial well-being. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: PA
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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit 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 XXXXXXXX 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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to 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. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 been reaching out to calling sending letters to XXXX Transunion and XXXX about fraud on my account addresses that I have never lived at accounts that I have never done business with I even filed a report with identity theft.gov and got a recovery plan I contacted all the companies whom told me to send this to the credit Bureaus an I did no one sent me any documents but my request for the information to be removed was denied pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). I sent all documents XX/XX/2023 they have not verified any information I demand these items be deleted Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages. Thank you

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$0.00}

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 2023-10-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Chase debit card account was closed directly without my notification or knowledge, and I still have about XXXX dollars in my debit and credit accounts. After I called and asked about it at that time, the customer service did not explain the reason to me, but just said that they would mail me a letter about the reason and send me a check for the money that was in the account after they finished their review. I was very confused and felt aggrieved that this was being done to me when I had done nothing, but I was willing to respect Chase and trust that I would be dealt with fairly. After a month of waiting for Chase to process my case, I still have not gotten any results or even my deposit returned to me. After calling several times to inquire and making inquiries at the branch, I still have not received an accurate answer, and it has even turned out that I may not be able to get back the money that belongs to me and that I deposited in my account for myself. First of all, I think this whole thing is outrageous and unfair. Chase locked my account and did not even return my deposit to me without any notice or reminder when I was just making normal deposits and withdrawals. Secondly, I have requested several times if the investigation can be expedited and if my normal deposit can be returned to me first, because I need to re-rent my apartment at the end of XXXX, and the money I have in my original Chase account is the money I use to rent my apartment, and I don't have any extra free money to use to pay the rent, and if Chase can't return my money before the end of XXXX, or even doesn't want to return it to me, I have no way to pay rent, which means no way to have a residence. Their behavior has very seriously impacted my life and has left me without even the most basic means of living. I don't want to believe that Chase would engage in this kind of robbery, but I have a clear conscience that I didn't do anything illegal with my money, so why should I be subjected to this kind of unwarranted suffering? I would like to believe that there is suspicion and vigilance on their side, but I believe that I have not done anything bad myself and that all my previous financial records prove my integrity, then I am not willing to suffer such suspicion or even take my own money for nothing to the point where it has now affected my basic life. Please at least give me a clear reply and return my own money to me instead of being vague and delaying it to the point where I can't even maintain my normal accommodation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I submitted a dispute with the credit bureaus about an account that is not validated. The company still did not validate the account and the credit bureau is still reporting the account on my credit report. It has been over two months.

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: CO
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:
Our loan has been on forbearance since the beginning of the COVID-19 pandemic. 
During that time, XXXX XXXX XXXX XXXX mistakenly reported us as over 30 days delinquent on three different occasions. From when I understand, they have removed it but it still caused a hit to our credit score and was a waste of time.

We have since paid off the loan and hope to have it closed shortly. 

My purpose for submitting this is not for a resolution but to document that XXXX XXXX XXXX XXXX is incorrectly reporting delinquencies while on forbearance. 

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
Consumer complaint received 2021-04-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have been calling Synchrony Bank for weeks trying to resolve my payment issues with no help from anyone. I just get transferred from person to person who dont seem to do anything.

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