BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian refuses to move a collection that was reported to the credit bureaus during the debtors 30 day window for debt validation. I have uploaded proof to Experian dispute center directly from XXXX XXXX stating that I had 30 days to request debt validation, in which I responded to XXXX Credit requesting debt validation. Instead, XXXX XXXX broke their own rule and reported to the bureaus before the 30 days were up. Once I submitted a complaint against XXXX Credit for violating the FCRA, the collection was removed from two bureaus except Experian. Instead, Experian said the debt was valid without looking at the PROOF provided ... the time XXXX credit reported the debt vs the time XXXX XXXX mailed out the letter. Experian isnt cooperating with the removal of the collection that was reported before the 30 days were up

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 2018-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Transunion : inquiries XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX   ( XX/XX/XXXX ) I have contact the company to see if they can provide proof that these inquiries where authorized by me they claim it will get resolved I explain to them to send me all the proof they have none I havent see anything removed nor proof that I authorized my information to be used.

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 2019-06-05
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The family is dealing with an illness and the attorney who was working on the file passed away. The family had to file bankruptcy to stop the sale. While in the process the XXXX XXXX 's job causes in to travel and XXXX is employed but dealing with an illness. 
They have gathered the documents and requested that the bank would give them a chance to workout some type of arrangement that they can make payments and save their home. We have a savings for the workout on the loan. XXXX has sent many applications to Selene Finance, but they claim they have not received an application since the attorney was working on the file which was back in XX/XX/XXXX which is not true. 
XXXX has submitted at least 10 request for a loan modification. 

This is urgent and there is a pending auction XX/XX/XXXX. We tried to get clarification of having a full package in for review before they will consider cancelling the foreclosure auction. They would never give an exact amount of days, now they tell us that it had to be 37 days. We have aqll required documents plus money to pay as a good faith payment. 
Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It's been a struggle getting through all of this, so I'm making this CFPB complaint to ask the credit reporting companies to totally remove the disputed fraudulent accounts and information from my credit file. How many times do I need to notify the credit bureaus that I was a victim of identity theft and that the accounts I'm disputing were the consequence of the crime? In order to rectify my credit file, I've been requesting from the credit bureaus to take away the disputed items. If the credit bureaus assert that the disputed items are mine, they should also send me copies of their verification. But I've been disappointed with the Credit Bureaus since they haven't sent me copies of the documentation I have. The Credit Bureaus, however, have let me down and have not sent me copies of the information I have requested from them. Also, I have been sending letters of disagreement to the credit bureaus, along with entire identification proof documents and an Identity Theft Report I obtained from the FTC. This CFPB complaint is a follow-up to the one I previously filed with the bureau, and I'm asking the credit reporting agencies to take down the disputed entries before I have to resort to legal action. Please fully delete the following entries from my credit file : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/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 2017-12-12
Company: American Financial Network Inc.
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
There are 3 companies involved : American Financial Network ( AFN ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX ). 

AFN agreed to complete a Streamline VA Refinance for my family, as a free service. 

The final paperwork had our new loan set at approximately $ XXXX higher than what we were told our old loan closed out at. When we inquired about this we were told that the $ XXXX was there to cover our new escrow account, and that the reimbursement from our old escrow would be used to pay the new loan back down to where it should be. 

We received our reimbursement from our old escrow and insurance, and now are being told to deposit that money into our new escrow account, because it only contains around {$800.00} and is short. 

When I ask again why the new loan is sitting at over $ XXXX higher than our previous loan, we get no answers. 

Now our yearly taxes are coming up, there 's not enough money in our escrow to cover the amount, and our loan is sitting at a higher amount than it should be while gathering extra interest that should also not be accruing. 

Attached is an email from XXXX with AFN stating that our increase in our loan is to cover our new Escrow account. 

My name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, OK XXXX AFN Branch Manager : XXXX XXXX Branch Manager | XXXX, OK XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ok. XXXX T : XXXX XXXXXXXXXXXX -- XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX was our closer - XXXX -- XXXX XXXX -- XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I NEED XXXX, XXXX AND TRANSUNION TO REMOVE FRAUD ALERT FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2019-11-04
Company: Capital Markets Cooporative, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced with XXXX  XXXX, and our loan was sold off to XXXX XXXX XXXX. Our first few payment were processed normally, but our XXXX payment has been misplaced or some such XXXX. we insisted the payment was made, and finally were told the account number had been changed from the account we were paying to through XXXX XXXX. They said that we were responsible for the payment since they had to history of the payment being received. We provided our bank statement showing the payment had been paid on XX/XX/19, and we provided a proof of payment generated by XXXX XXXX. They are saying it will be applied to XXXX but could take 3 to 4 weeks! My main concern is IF this sorted out, are they going to adjust my interest accordingly, or am I going to end up paying more interest than I should, and are they going to correct the credit reporting to show the payment was made and not missed. The loan officer, XXXX XXXX from XXXX XXXX   told us to file the complaint with CFPB to make sure everything gets sorted out properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report is showing late payments to 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 2020-10-30
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a XXXX XXXX XXXX where I make a XXXX dollar minimum payment. I recently have gone through financial hardship and have been late on making one payment in XXXX of XXXX that was 30 days late. Since then I have paid off the card and have been current ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living breathing human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they have violated my rights numerous times.

I demand the accounts listed below be removed from because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX  accounts ending in XXXX and XXXX XXXX account ending XXXX XXXX XXXX  XXXX  XXXX ending in XXXX XXXX  XXXX XXXX account ending in XXXX XXXX accounts ending in XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX account ending in XXXX XXXX XXXX accounts ending in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
Company: EQUIFAX, INC.
State: MO
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 sent EQUIFAX multiple letters of verification. I've requested EQUIFAX to verify this account. The account name is unknown and the account number is XXXX Since it is against federal law ( Fair Credit Reporting Act -- 15 USC ? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
https : //www.shellpointmortgageservicing.com/ XXXX Monday through Friday XXXX XXXX EST and Saturday XXXX XXXX EST. 
Customer Service Shellpoint Mortgage Servicing On XX/XX/XXXX I requested to remove a PMI from my mortgage payment due to improvement made to the property, I received a letter and an e-mail suggesting that I need to have a BPO done and pay {$150.00}. I sent the check for a BPO immediately and it was cashed in a few days. However, the mortgage company did not schedule the BPO for a long time until the end of XXXX. Finally, on XX/XX/XXXX a broker came to the property and did his evaluation. He submitted his opinion on XX/XX/XXXX. Shellpoint mortgage informed me that the value of the property was high enough to remove the PMI. They advised me that the LTV was 73 % and I would get a letter with the new mortgage payment ( minus the BPO ) .On XX/XX/XXXX I was contacted by another broker asking me if I still needed the BPO. I told him I needed to consult the mortgage company. I called Shellpoint mortgage and they confirmed to me that I did not need the 2nd broker, therefore I told the 2nd broker not to come. I continued calling Shellpoint morgage every week asking for the update, and only today, a month later, XX/XX/XXXX they told me that one BPO was not sufficient, and I am disqualified since I refused to allow the 2nd broker on the property ( ignoring that that was on their own advise ). I asked to talk to the supervisor, who, of course, was not available. I think they are trying to postpone the decision as long as possible so we continue paying unnecessary PMI. They communication is non-existent. They promised me many times to send an e-mail or a letter with their findings, but never did. I kept calling them twice a week with no results. I need to know how to switch my mortgage servicing to a different company. I feel that this company is either completely incompetent or just dishonest, in either case I don't want to deal with them anymore.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: SYNCHRONY FINANCIAL
State: FL
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 applied for a credit card ( Mastercard ) with PayPal on XX/XX/XXXX. They ran my credit and give me a card with {$1000.00} credit line. I received the card in the mail today XX/XX/XXXX with a letter stating the APR was for 25.6 % due to my credit score from XXXX of XXXX. The problem is my credit score with XXXX  was XXXX on XX/XX/XXXX, so my APR should not be 25.6 %. I called PayPal and spoke with XXXX in customer service and she stated she could not change anything. I asked to speak with her supervisor. I waited for 10-13 minutes for the supervisor to get on the line. Her name was XXXX ID # XXXX. She said that the customer service person already tried to change the APR, but the system would let her and there was nothing she could do about it and there was no one over her that I could speak with to get it changed either. XXXX also stated that she could not find the letter that was sent to me. She also stated that the credit rate was a XXXX score. XXXX. I told her that XXXX  scores are single numbers. The phone was quite on the other end. She didn't know what a XXXX  score was. I have not activated this card yet and will probably cancel the card altogether. My credit is good and getting better every month and I don't deserve this high APR either. Please help me get this straitened out.

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 2022-12-14
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a delinquent XXXX debt purchased by Convergent Outsourcing. I reached out to Convergent Outsourcing via email to pay the debt, but there was no response. I subsequently reached out to XXXX to pay the debt. Prior to payment, I asked if XXXX would terminate their assignment of collection authority to the reporting debt collector ( Convergent Outsourcing ). They said they would, as soon as I paid in full. 

I paid the full amount on XXXX XXXX, 2022. XXXX week later, my credit report stated that I paid Convergent Outsourcing- the account was paid to XXXX, not Convergent Outsourcing ; therefore, the information reporting is inaccurate. 

Moreover, per XXXX, the debt was " recalled '' ( technically, terminated the assignment of collection authority. 

Today, I spoke with a representative of Convergent Outsourcing ; they refuse to honor any termination and will not remove the inaccurate reporting.

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 2021-06-08
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
In XX/XX/XXXX, a forbearance request was made and approved by XXXX XXXX for 2 XXXX XXXX backed mortgages. In XXXX of XXXX, both of these mortgages were sold to XXXX XXXX XXXX. Upon transition of the two mortgages to XXXX XXXX XXXX ; XXXX XXXX then reported to all 3 credit bureaus that the 2 mortgages were delinquent and in collections. This effectively has dropped my credit score by 150 points. 

Having contacted XXXX XXXX several times requesting that they accurately report these mortgages to the credit bureau as not being delinquent as defined by the CARES ACT.

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 2023-02-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a big credit card bill with XXXX. I do make my payment every month on time. 
I made my XXXX payment on time but the bank release the payment late. Now I am charged a late fee of XXXX. I would like to be credited back the XXXX since I made the payment on time but the bank did not release the funds on time.

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 2019-04-21
Company: ENCORE CAPITAL GROUP INC.
State: MO
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 sent XXXX XXXX ( 01 XXXX XXXX XXXX XXXX ) and XXXX both multiple letters of verification. I've requested both XXXX XXXX ( 01 XXXX XXXX XXXX XXXX ) and XXXX to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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 2019-11-04
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: Investigation took more than 30 days

Complaint:
PAYMENT HISTORY ERRORS : This complaint is regarding my auto loan financing account with XXXX XXXX. For the last few years I have disputed this issue multiple times through each of the credit bureaus individually ( both via online/phone and by mail ), as well as once with the CFPB. Every time I have filed a dispute, the response from XXXX XXXX has been inadequate and nothing has been resolved or corrected on any of my credit reports. 

There are still major errors on my credit reports, to which have significantly and negatively impacted my credit status. None of the credit bureaus have been helpful in properly processing my disputes and have not obtained adequate response or solution from XXXX XXXX. My credit score is being penalized for having 6 late payments reflected on my XXXX XXXX account, which is completely inaccurate and false misleading information. 

XXXX XXXX reported to the credit bureaus that I made payments " 30-59 days late '' for the following billing months : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Enclosed is a copy of my Bank Checking Account Transaction History Report, which verifies that I did in fact made those monthly bill payments on time. None of the above listed months were paid late. All 6 of these months need to corrected and updated to reflect that I paid those payments " On Time ''.

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