BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: AR
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 and Equifax both have posted on my credit reports that companies XXXX, XXXX, 2 XXXX XXXX  accounts have been paid late or not paid, as well as, closed on the creditors choice which is incorrect. I closed the accounts and have worked with XXXX XXXX XXXX since 2019. I have paid all accounts on time through XXXX. I have sent documentation and distributed to both credit bureaus more than once. Also, these accounts are ALL paid in full at this time. These accounts need to finally be corrected or removed due to the inaccuracies and refusal to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Iconic Mortgage Corp.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Misleading advertisement ( see attached ). The attached is misleading advertisement meant to get Veterans to call. There are no waiting periods based on the county in which you live through the Veterans ' VA Guarantee. Iconic Mortgage Corporation NMLS # XXXX is attempting to mislead you with this mailer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Account information incorrect

Complaint:
I have requested validation from all three credit bureaus regarding the information on this account. The only information sent to me is a copy of a bill. That is not accurate validation. There are also discrepancies on the opening date and date of delinquency between the three credit bureaus.

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 2022-03-01
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
have had financial hardships from losing both of my parents last year in XXXX and XX/XX/2021 then having XXXX late XXXX of which I am still recovering and unable to work. Today, I called to speak with the original person assigned to my file, which is XXXX XXXX at XXXX. XXXX. When speaking with XXXX XXXX who was extremely rude to begin refused to transfer me over even when I provided him the extension. He advised that she was not assigned to the account. When I asked who was assigned to the account, XXXX XXXX intentionally disconnected the call. 

Let me be clear, I can not help catching XXXX. I did not create this pandemic, I like the rest of the county are simply navigating through. I am still recovering and no one outside of XXXX XXXX has been helpful in any capacity with my issue. Every other person is rude, and hang up when I ask them to identify themselves. When they call you and you request to know who's calling, they hang up. This is borderline harassment. I have a right to know whom I'm speaking with in regards to any manner I am contacted that concerns me. Ally had not worked with the consumers despite the pandemic where we are financially harmed because of XXXX, despite or previous payment history with them. 

To assist me in becoming current despite my being unable to work, I am asking that all late fees and other fees incurred during this time of illness be waived and that Ally will work out a payment plan for me to become current. I am also asking that my file remain with XXXX XXXX until I am brought current.

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 2017-11-15
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Used credit without consent XXXX XXXX GMAC Residential XXXX XXXX XXXX mortgage XXXX, City of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The amounts are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GMAC Residential Holdings XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Filed a complaint there are several issues regarding the following which has occurred on several occasions in addition too different colleges may not all be XXXX XXXX college and not reporting correct changes in forbarences and deferments to third party for collections in addition too allocating the total and permanent XXXX applications with sufficient documentations. Complaint to XXXX XXXX XXXX nelnet and all other loans third party collectors account holders for any and all loans for as XXXX XXXX XXXX xx xx XXXX for previous accounts defaulted and or sold or submitted through any of its subsidiaries and entities as a third-party debt collection for federal loans be properly investigated current and past accounts loans requests by student and all documentation sent and received on behalf of XXXX XXXX XXXX Proper requests have recently and past been made for forbarences and deferments to include XXXX discharge and reporting and filing of my accounts status prior to defaults were in deferment or forebarbnce but you and your subsidiaries and related entities prior to receiving accounts and after were not properly investigated nor acknowledges the processes and stays changes in accordance with all XXXX rules policies governing the loans and not properly handled according to rules policy and laws governing students with XXXX I gave submitted review for XXXX discharge and several total and permanent discharge for XXXX yet you and your related subsidiaries related to my previous account holders and current gave violated not only. My civil rights as a XXXX person but have submitted to board of education improper and incomplete paperwork regarding my XXXX and rights verifying social security XXXX income with 4 dependants exceeding the payment amounts being drafted through united states treasury received by us board of education submitted by XXXX. I want all monies refunded and every incident paperwork filing and complete account information to include XXXX and requests for discharge and paperwork submitted to civil rights office and respectfully revised and complaint filed formerly with you and all related entities prior and current involving any and all collected paid and unpaid student loans. request for reimbursement for received funds from treasury to XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXXXXXXXXXX. this request is to cease and distst all collections withholdings of all accounts while in review for XXXX discharge and acknowledge current and past deferments and forbarences. Investigation by attorney general and civil rights division. 

Email ( if you would like a response ) : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In midXX/XX/XXXX, I received a notice from our local magistrate for a Civil Action filed against me by Midland Funding LLC c/o XX/XX/XXXX in the amount of {$3900.00}. The hearing was scheduled for XX/XX/XXXX. I called the office on XX/XX/XXXX to make a settlement offer. They refused the offer and withdrew the lawsuit and will not take it off of my credit report and did not make a counter offer. I received my notice in the mail from the magistrate that the hearing was cancelled onXX/XX/XXXX. Any phone calls after this date have not been returned by the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: Financial Data Systems
State: NC
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:
Financial Data Systems is claiming I owe them {$300.00} and {$40.00} from a debt they purchased from XXXX XXXX XXXX, which is not an account I ever had - nor are they reporting to my credit report. They are reporting false information to my credit report. I do not recognize this debt and they are unable to provide anything bearing my signature showing that I have any contractual obligation to pay them. I've contacted the company twice to fix this error and they are non-compliant. The first attempt, they received my dispute by certified mail on XX/XX/2019. The second attempt was again through certified mail, their receipt of my dispute showing XX/XX/2019.

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 2019-05-15
Company: Experian Information Solutions Inc.
State: IL
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 requested information from Experian about my dispute. They have failed to submit proof and verification of my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Experian Information Solutions Inc.
State: IL
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 submitted multiple letters to XXXX and Experian about account XXXX Funding submitting a collection account for an amount that I had to contract with them to being with. Letters were sent via certified mail XXXX/XXXX/XXXX and also XXXX/XXXX/XXXX. I asked them to give me verification with my SIGNATURE and contract on file with them. The only they have sent back to me was a bill which was not with them to begin with. According to the FCRA when asking for validation for an account it should be sent with my SIGNATURE and it has not. While looking at my credit report XXXX is listed at 2 different addresses with one in the state of South Carolina, the other Nevada.

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 2022-03-01
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : XXXX, DEPT OF EDUCATION/XXXX Account number : XXXX, DEPT OF EDUCATION/XXXX Account number : XXXX, DEPT OF EDUCATION/XXXX  Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me several times a day repeatedly. I have asked them to remove me from their calling list and they say they do but continue to call me. When I ask them to remove my phone number from their call list they like to phish for more personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: ZIONS BANCORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage with California Bank & Trust was in forbearance due to XXXX. I resumed making payments on XX/XX/21 & have made a total of 6 payments since then. I have made numerous efforts for the bank to modify the loan & add the forbearance amount to the back end of the loan & to reduce the monthly mortgage payments. I have filled out all papers they have requested numerous times. They keep giving me the run around & keep coming back asking for more documents & many times the same docs as they keep saying the docs submitted have expired. All mortgage communications are done on line & it is very difficult to get anyone at the bank with real knowledge to help out. The ones who I have talked to keep giving incorrect information. I have even gone in to their local branch where the branch manager has tried to help in vain. Not only this, the bank has put negative remarks in my credit report. All I am trying to do is get the bank to modify the mortgage which was in forbearance under the CARES Act due to the XXXX pandemic. Instead of making the process to modify smooth & simple, they are doing everything to stall it, frustrate their customer and make the process impossible to complete. I am finally writing to you to plead my case so that California Bank & Trust will do the right thing by modifying the loan and remove the negative remarks they have added to the credit agencies.

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 2017-12-29
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CONVERGENT OUTSOURCING Date : XXXX XXXX, 2017 Source XXXX & XXXX Company CONVERGENT OUTSOURCING Address XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XXXX XXXX, 2017 Balance {$2400.00} I honestly do n't know who are they and they are not providing me any information. I even requested and faxed to send me a proof and no one responded and I have my faxed receipt copy

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 2017-11-15
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was billed {$85.00} for XXXX XXXX by XXXX XXXX XXXX that were performed for my wife XXXX 's XXXX XXXX on or around XXXX XXXX. I paid the bill through my medical savings account on XXXX/XXXX/XXXX. For some reason the payment was not recorded and before I could resolve the issue with them was sent to collections. IC System have been attempting to collect the {$85.00} from me for the past year. I have talked to IC Systems several times on the phone over the past year and have been unable to resolve the issue even though I have sent them documentation showing that the bill was paid. Every time I talk to them on the phone they post another negative report on my credit score. I know it 's just {$85.00} and I could just repay the bill again but it 's the principle of having paid my bill and still being sent to collections. I would like this resolved and the negative reports taken off my credit score. What can I do?

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 2017-11-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my house in XX/XX/XXXX, my first payment was due on XX/XX/XXXX. By that time my hours were reduces and I was making partial payments which turned out that Carrington Mortgage does not allow them, I tried to do the partial payments till XXXX before I was told not to do that. So I got all up to date by XX/XX/XXXX and so I thought, 2 months later I started getting this calls that my account was past due and I called them to go over that but the answers were that they 'll research and let me know. I was n't till I was trying to refinance this past XXXX to find out that they have been reporting late on my credit every single month since we got the loan! Since XXXX I have sent them letters to them and the bureaus but no concrete answer and I get the run around, one manager after another one. I was able to get one of the managers to give an email and direct phone number and try to solve the issue but she did n't either. I have run out of options and patience as this is very stressful and has affected my household in various ways, the only few credit cards I had have close on me because of the bad reporting Carrington Mortgage has issued on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This complaint to Transunion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$890.00} XXXX  XXXX Balance : {$4200.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$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 2021-10-11
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:
Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$240.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$170.00} Account Name : XXXX XXXX XXXX Account Number : XXXX, XXXX, XXXX, Balance : {$120.00}, {$200.00}, {$350.00} Account Name : XXXX XXXX Account Number : XXXX, XXXX Balance : {$850.00}, {$580.00}, {$480.00} This is a formal complaint against XXXX, Experian, and XXXX. I have disputed this account on XX/XX/XXXX because some information is not reporting consistently such as the date of last activity. Forty days after my first dispute letter I have logged in to my credit monitoring and I see no changes at all. Like for the XXXX collection account, the date of last activity is still reporting XX/XX/XXXX in XXXX, Experian shows XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. There is only one creditor in which this collection account was verified and validated from so how can the date be reporting on three separate dates?

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 2017-11-15
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PlusFour Inc is reporting something for an XXXX company. I was not transported anywhere in XXXX XXXX or any time in XXXX Please help me this makes no sense

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: PENNYMAC LOAN SERVICES, LLC.
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:
My XXXX XXXX # XXXX is showing the wrong balance amount, currently late. I have never been late, it was last updated XXXX/XXXX/XXXX paid current and is also in a forbearance plan due to XXXX XXXX. It is drastically lowering my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received letter from PNC Bank dated XXXX XXXX, XXXX advising me about closing my account on XXXX XXXX, XXXX. PNC reference # XXXX. 
I have been associated with PNC for approximately 30 years in good standing, checking account and recently open credit card account. 
I contacted bank at the number posted on letter and basically told letter was self explanatory which frustrated me even more. 
I have had legal problem about 3 years ago for which charges were filed but not convicted the charges were expunged and now problems are occuring. 
I maintain excellent credit rating and getting extremely frustrated.

Company response to consumer: Closed with explanation