BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account was settled in full on XX/XX/2020. Posted on XX/XX/2020. Was told on a recorded line ( I also have the audio recording ) that the trade line on my credit reports from Portfolio Recovery would be requested for deletion within 30 days from posted date ( XX/XX/2020 ). Thirty days was XX/XX/2020. Contacted the company on XX/XX/2020 and was told something to the effect of, " I'm not sure why but the system is showing your account was not closed until XX/XX/2020, therefore our tradeline deletion request from your credit report will not be requested until XX/XX/2020 XXXX 12 days after the agreed upon date ). 

The customer service representatives attempted to elude my questions and XXXX XXXX ( Executive Operation Manager ) initial refused to transfer me her supervisor despite my multiple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: PROFESSIONAL COLLECTION SERVICE, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  is claiming that I owe them {$1800.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello Firstly, we ( XXXX and XXXX XXXX ) have been in negotiations so refinance our rental property XXXX XXXX XXXX XXXX, XXXX CA XXXX with Chase. 

They sent us documents for the wrong property and included our daughter XXXX XXXX as a co signed. 
This was never authorized or discussed. 

Currently we signed and agreed to submitted paper work two weeks ago and kept our copies.

Now we have received the loan agreement in the mail today and the interest rate has changed from what was originally signed. 
Chase has denied no negligence and XXXX XXXX has been inconsistent and hard to reach for each problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have told Transunion several times that these things DO NOT belong to me. I have submitted an identity theft report and police report in the past and they continue to report fraudulent information. I am asking again that the following things be removed because they are not mine and I did not give any company permission to review my credit report. Louisiana XXXX XXXX & the following inquires XXXX/XXXX, XXXX/XXXX, XXXX XXXX and XXXX. I have never lived at the following address either XXXX XXXX XXXX XXXX XXXX AL XXXX & XXXX XXXX XXXX XXXX, LA 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 2021-10-12
Company: EQUIFAX, INC.
State: GA
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:
The last dispute I submitted was in XX/XX/XXXX in regard to their reporting of my XXXX XXXX account. The account has been reflecting a 30 day late payment which is being reported incorrectly. I received a letter from XXXX XXXX that I mailed to Equifax that reflects they reported the 30 day late payment in error. This letter was generated on XX/XX/XXXX in which they also stated they mailed to the bureaus in regard to the error as well. But yet after their attempt and a year later they are still showing false information. If this attempt does not work with the CFPB I will take it a step further to get this inaccurate information removed as this is intentional false reporting and I am sure that there are laws against this type of activity. If they do not believe that the letter is factual there is a contact number on the letter which makes me believe they didn't even bother to investigate my dispute. XXXX XXXX even refunded the amount of the late pay due to the error. I am also uploading a copy of the letter that I receive from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2020, applied for a credit line increase. I received a notification that it will take some time because I have a fraud alert on all of my credit files. Anytime that my credit is ran the company is supposed to call me and confirm that it is me that has made the request. Today XX/XX/2020 I received a letter stating that they were not able to contact me with the information provided on my credit file. My cell number is the number that they was supposed to call and they DID NOT. My cell number is stated on all credit bureaus. Comenity bank is not honest the request and requirements of the consumers reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
IN XX/XX/2021 BMW FINANCIAL REPORTED MY CAR LOAN LATE AND OPEN WHEN IN FACT I HAVE NEVER PAID ANYTHING LATE ON MY CREDIT AND THAT VEHICLE CAR LOAN IS PAID IN FULL AND CLOSED BUT IT IS REFLECTING AS OPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Credit Systems sent me a letter in the mail stating that I allegedly owed a debt. I sent them an immediate response saying that the debt was not mine, and asked them to validate as well as prove that they are legally licensed to collect debt in Florida. 

It has been 2 months now and I have not received a reply, and noticed that they placed the account as in collections on my credit report, without validating the debt. This is illegal and will also be reported to the Florida Attorney General as well as the Consumer Financial Protection Board.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: EQUIFAX, INC.
State: NV
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 attended XXXX XXXX XXXX College for 2 weeks and I dropped out back in 1988 due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX  XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated and I never graduated from college. Please review and remove this  inaccuracies from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We submitted documentation requesting a modification for several months due to a financial hardship. The company Nationstar continue to say documents are needed after documents were sent several times. It is a burden and very frustrating to comply with the systems request of documents and they fail to process them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to XXXX, XXXX and Equifax via certified mail on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021 for VALIDATION and not verification of debt reporting to all three credit bureaus as charge off. I have NEVER received validation of this debt. The following accounts were : XXXX XXXX XXXX XXXX ( two charge off accounts ) and Department of EducationXXXX. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt. I have also requested resources on how they VALIDATED the debt and NOT verified. The amounts reporting to my credit continues to increases with different reported dates. As of todays date I gave not received a response regarding my certified mailed letters.The information they are reporting on my report is not valid and I demand for it to be deleted off of my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I spoke with the Executive compliance office and the creditor ( XXXX ) that is showing the past due delinquencies on the credit report. After thorough investigation and research, the creditor acknowledged that they sent a retraction letter to update the delinquencies. The creditor, XXXX, Department of Education, states that they have provided numerous attempts to all three credit bureaus to retract the delinquencies showing on the credit reports. The loan has been on an approved deferment or forbearance since the life of the loan therefore no late payments should be remaining on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has two accounts in collections on my credit. When asked to validate the debts ( one for {$690.00}, one for {$400.00} ). They did not respond. 

They sued me in small claims last year ( XX/XX/XXXX ) for the line item on my credit report with a {$690.00} amount. I came on the date to answer and told their attorney that I did not know who he was. He set a court date with the clerk. XXXX XXXX did not show up for the first primary hearing and I filed a motion for them to provide validation of the debt, including signed contracts ( not provided in the claim ), an assignment of debt that isn't just an over night dump ( not provided in the claim and without my name attached ), and how they came up with these amounts. 

I have never worked with XXXX XXXX before and have no idea who they are. They did not provide validation for the court within the allotted thirty day  time frame, they did not show up for our final hearing, and the case was dismissed. They continue to report these debts. On top of that, I have disputed these with XXXX, XXXX, and XXXX, and even with giving them court papers showing that the debt has not been validated, they continue to report these debts as accurate because after disputing, XXXX XXXX continues to report them to the CRAs that way. 

I contacted XXXX XXXX immediately after the court dismissed the case, letting them know that they need to quit reporting to the credit reporting agencies, and I sent the credit reporting agencies proof and court documents that this debt is not validated, yet after disputing with the CRAs and providing the CRAs with the court documentation and the creditor 's lack of validation necessary to verify a debt ( or even collect successfully in a court ), XXXX XXXX is continuing to report these debts as verified. 

XXXX XXXX did not list the item as disputed on my credit reports, and they were under dispute since litigation began on XX/XX/XXXX. I have credit reports printed out from XXXX still showing that they were not listed as disputed up until 3 weeks ago. This is a violation of the FDCPA. 

I am exhausted from asking this company I've never worked with for validation that these two debts are mine, and they have continually violated the FDCPA ( did not list debt as disputed, verifying debts to the CRAs that they can not validate ). 

XXXX, XXXX, and XXXX continue to report these unvalidated debts even after countless phonecalls and attempted disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The outstanding debt was paid to XXXX directly and by law, they must recall the account from XXXX XXXX. Therefore, XXXX XXXX has no legal reason to be reporting on my credit reports and must delete.

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 2022-08-12
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Responses from both Transunion and XXXX indicate that the issue of removing a middle initial was resolved. I continue to receive mail with a middle initial however, which I have never in my lifetime used. XXXX took the appropriate action and removed said middle initial. All I ask is that Transunion and XXXX respond with a similar action and response.

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 2018-03-14
Company: CMRE Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received phone call and male said he wanted to speak to XXXX XXXX. I asked what it was about and what organization he was with. He would not answer. He wanted my birth date and social security number. I asked him again who he was and whom he represented. He said XXXX and said they sent me a letter and that I should go home and read it and call back when I wanted to talk. I googled their name and phone number. I have no knowledge of this company or their services or letter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX. 
This was a horrible way to treat someone even if they do own for a medical bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank Of America Mortgage Account numberXXXX Hi, I spoke to a rep and I have a 6.625 % interest rate- I asked to refinance and they said I could not because I am in a DEFERMENT program. Rates are very low and it would help me out along with me reading that banks are offering to streamline refinance consumers. I need help getting this process started- I have a great credit score and should be able to take advantage of the low interest rates-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, i been requesting to confirm unknown accounts in my report. also i it showing some inaccurate accounts in my report. unfortunately i have not received any response. I had send letters in XX/XX/2021, XXXX, XXXX, XXXX and i will send a new request this month. i had send proof that account is reporting inaccurate but no responses.

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 2019-06-14
Company: EQUIFAX, INC.
State: FL
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:
I loaned a vehicle from XXXX back on XX/XX/2019. The dealership requested XXXX XXXX XXXX to run a hard inquiry on that day on my credit, which I approved, and I got my car. On XX/XX/2019, when the car was already in my possession, unknown to me, the dealership run another hard inquiry on my credit, which I did not approve. I realized of the mistake a couple of days later and immediately contacted both the dealership and XXXX XXXX XXXX to remove the unauthorized hard inquiry of XX/XX/XXXX from my credit. Since XX/XX/XXXX, I have been calling XXXX every week to solve this issue. They recognized their mistake and kept telling me that they sent a request to Equifax to remove the hard inquiry from my credit. They told me that it would have been removed in 90 days. After the 90 days, I contacted Equifax and they told me that they did not receive any request from XXXX. I asked XXXX first to re-send the letter to Equifax and second to send me a letter stating that they sent this request to Equifax. After a couple of weeks, I contacted Equifax again to check if this time they received the request from XXXX and again nothing. I asked if I could send them directly the letter that XXXX sent me and they told me that the only entity that can remove the hard inquiry is XXXX. I feel trapped in an endless circle because XXXX keeps saying that they sent the request and Equifax keeps not receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Experian Information Solutions Inc.
State: SC
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 received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with XXXX balances. thank you Sincerely, XXXX Veteran

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 2018-03-14
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I initially had my loan with XXXX University and was paying them back under the terms specified. The next thing I know my loan has doubled from what it initially was and bought out by XXXX. I then began paying them as stated the amount has now doubled. I paid them for several years and then my loan was sold again to Navient and I am back to paying the original loan that I started out with XXXX University. I feel that this whole system is a scam and I have been paying these people for years. I feel this on-going practice is robbing me blind. I graduated from XXXX University in 2008. I have been paying on this student load since before that time. I would like someone to investigate this matter. I tried to do a loan forgiveness because I work with XXXX XXXX but was denied because they said the dates did not match what they had on record. I feel that was a total fabrication on Navient 's part. Again, please have someone investigate this matter as soon as possible. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. My previous address was in XXXX XXXX, XXXX Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I sent Transunion multiple letters including an FTC report that they asked me to submit and still fraudulent inquiries are reporting. Please help me!

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