BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: ALLY FINANCIAL INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for an Ally credit card using my XXXX credit match on XX/XX/22. After submitting my application, I received the message, " We need more time to review ''. My XXXX XXXX was immediately decreased by XXXX points. I could see the XXXX inquiry from Ally Financial XXXX on my credit report. 

I called Ally XX/XX/XXXX at XXXX am, the rep informed me she didnt have a record of my inquiry, but to allow up to 17 days for processing, and to watch for a letter or email to determine my status. I called again XX/XX/XXXX at XXXX, another rep stated there was no record of my application, or prior phone call. I asked if there was an internal department who handles these requests- I said Ally doesn't have XXXX... they go through XXXX. I requested to speak with a manager. The manager used my SSN, full name, phone number, address to attempt locating the application, but also said there is no record of my application or phone number. She said she was launching an investigation, and to call back within XXXX business days. 

I called back on XX/XX/XXXX at XXXX. The rep stated there was no record I had ever called- thus no investigation. She located an account with my name from XXXX I informed her I've never used or applied for anything associated with Ally. I am highly upset and concerned as this has significantly impacted my score, and no cares enough to follow-up, or merely document my call. I will NEVER apply for anything associated with Ally, again.

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 2023-05-11
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a call this week from another financial firm attempting to foreclose on my house while it's tied up in divorce court in XXXX ( since 2016 ), index XXXX. The debt is not mine- it belongs to XXXX XXXX XXXX XXXX who stopped paying his mortgage at the time of commencement of this divorce. He is in contempt of automatic orders. XXXX XXXX has at the same time paid his attorney XXXX XXXX over {$200000.00} to tell the court that he has no money and can not pay his mortgage. Therefore, he and his attorney have committed perjury. 
Numerous accounts have been found in XXXX XXXX 's name that were not disclosed to the court when the misstatement was made about XXXX XXXX 's financial condition, to Judge XXXX XXXX. 

I do not know why I am at risk of losing this asset, as I made the downpayment and am not on the note. 

XXXX XXXX has been ordered by the court to pay his share of the mortgage, which is actually 100 %. The judge does not seem to be aware that XXXX XXXX is in contempt of automatic orders. 

My downpayment was used to purchase this house, XXXX XXXX XXXX, and I had to pay XXXX XXXX twice to keep the house from being sold at auction during the divorce, despite the fact that XXXX XXXX  refused to talk with me because I was " not on the mortgage ''. 

I do not understand the law in the United States. 

My attorney is confused by the new threat of foreclosure, as well. 
His name is XXXX XXXX. 

The attorney who stated that the house is in pre foreclosure currently is XXXX XXXX, XXXX. 
XXXX XXXX made the following statements to me on the telephone yesterday : " The underlying debt is not paid. 
The current holder of the mortgage is able to foreclosure. 
They filed a complaint with the land court on friday. The divorce has no impact. Sale proceeds go to the borrower ( XXXX XXXX XXXX ), not to me. 
The attorney said. Im not a borrower so she cant tell me anything. 
The bank is Nationstar mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: IN
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 kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2021-05-05
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I already reached out to the credit bureaus and to DEPT OF ED/NAVIENT and notify them of their error posting of information on my report. I never missed any payment on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It Concerns : As a home owner with a mortgage, I have accepted the financial responsibility and obligation to ensure receives Roundpoint Mortgage receives my mortgage payment - principal and interest inclusive of administrative fees for servicing the loan. Every month. Even during a time when so many are unable to pay their mortgage. Every month. On time. I pay. 

As the mortgage lender for my primary residence and in receipt of my monthly payment, Roundpoint Mortgage has a fudiciary responsibility to ensure that escrow is appropriately calculated and payment made for all county/property, city, school and home owner 's taxes. In connection with the XXXX full year school taxes due on my behalf to XXXX XXXX XXXX by XX/XX/XXXX, Roundpoint Mortgage has not met its obligation. 

In summary, after contacting Roundpoint via phone and email on XX/XX/XXXX, following up on XX/XX/XXXX, and again on XX/XX/XXXX ( I initiated all follow-up as there was zero communication from Roundpoint after the standard " thank you for contacting us email '' ), I was casually told by a representative, " we will not be paying this today. '' Escalation. 30 minute hold times. Unacceptable to say the least.

Over the last month, I have had 4 calls with XXXX from the customer service escalation team ( XXXX, XXXX and XX/XX/XXXX. ) I was informed by her that the issue would be resolved by XX/XX/XXXX and it has not. As far as I know, Roundpoint has not paid the appropriate tax and I may be in default on my school taxes ( the tax bill is in excess of {$6000.00} ). 

It is not my concern that XXXX sold my mortgage to Roundpoint and Roundpoint then merged or sold the mortgage to XXXX. What I do care about is that my mortgage, and related taxes are paid in a timely manner. What is Roundpoint doing with my funds held in escrow? They earn money on the money collected from me, which is to be reserved and used to pay applicable taxes and home owner 's insurance on my behalf. That was not done in a timely manner. 

I have requested that all remaining correspondence concerning the matter be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had my identity stolen twice since I moved to XXXX  in XXXX. Between XXXX, someone falsely used my information and obtained cable  from XXXX in my name. The cable was listed on XXXX XXXX. However, I have never lived on XXXX XXXX and I don't know anyone that lives on this street. 

A collections agency has sent my letters in the mail attempting to collect money for this XXXX XXXX  bill. The name of the company is called CONVERGENT OUTSOURCING, INC. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and telephone number is ( XXXX ) XXXX. 

I have called them many times to explain that I had my identity stolen and police reports to prove this and I have never ordered XXXX XXXX at XXXX XXXX in XXXX, nor have ever lived on XXXX XXXX. They keep sending me letters and now are sending my mother letters in the mail. 

About a year ago, I filed a complaint with XXXX  and had this removed from my credit with them. However, it is still on my XXXX   credit. I would like this removed immediately and if I can not get it removed I would like to file a lawsuit against this company. 

I am tired of this and should not have to keep reporting this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 had a collection report of {$68.00} dollars on all my credit reports for XXXX XXXX being reported by XXXX XXXX XXXX un XX/XX/2018. It is the only derogatory collection on my report thus far. I paid off the bill but I was requesting for a pay to delete for it to come off my credit but they are saying they can not delete it off my report even with the paid item. It is showing also that I had disputed this item still though I had gotten a letter stating that they were reporting the debt correctly. I was writing a request for both the bill and the dispute remark both to get deleted off my credit because paid in full and the remark will not help my credit scores. I appreciate your consideration on this. This was a medical bill for my daughter that I overlooked with the company long ago. I didn't see that bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Experian Information Solutions Inc.
State: AZ
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:
The thre

e main credit bureaus do not have accurate information on my credit reports.

They are impossible to reach either though their individual sites as well as the contact numbers they provide.

Due to their inaccurate information, my FICO scores are not only below that they should be, the decline with no specific information given by the credit bureaus.

Two issues that they have incorrect is they show I have no installment loan and according to their models, this hurts my credit score. If fact, I do have an auto loan that they showed all of last year but for some reason fail to show it now.

They also show a debit balance on my credit card that has impacted my score by 18 basis points. When in fact, I have a credit balance. It appears they looked at the credit balance as a debit balance.

My FICO scores should be much better than they are reporting. I track them and the information provided several times a month.

I often receive a notice that their sites are down and when calling their contact numbers only get into a calling tree that does not allow me to reach a representative.

Thus my scores are now so low I am not able to gain a favorable mortgage rate.

I've been frustrated with these " for profit '' credit bureaus as long as I can remember.

Any assistance would be greatly appreciated.

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$250.00}

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 2022-08-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2019-03-01
Company: Home Point Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have sent a request with my financials to my mortgage company Home Point Financial for a mortgage modification.I became delinquent on my mortgage because I was caring for my XXXX year old mom who is terminal ill and passed away in XXXX. I was responsible for her care until she recently passed. Home Point Financial didn't notify me they were accelerating my mortgage note. I haven't received mail from Home Point Financial since XX/XX/XXXX.or any other mail for my mortgage. I've contacted Home Point Financial several times to let them know I wasn't receiving my mail. As of today I still have not sent a mortgage statements or any other mail to my home address. The property foreclosure  notice I received from the foreclosure attorney is not 30 days prior to the property foreclosure sale. The letter is date XXXX XXXX sale date is XXXX XXXX. I looked the Tennessee law it states the homeowner is to receive notice of a foreclosure sale 30 days prior to the sale. 


See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Problem with personal statement of dispute

Complaint:
I did contact the Capital One for the XXXX time in 8 months regarding the same thing, I called again today 's XX/XX/XXXX at XXXXXXXX XXXX duration of call XXXX min, spoke with XXXX XXXX of the supervisor, I asked again to please remove the XXXX late payment from XXXX and XXXX XXXX, and I explained that late payment was from my hardship in that year and it is causing me problems and also its violates my rights according to violation of the CARES Act during the COVID-19 Pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Sir or Madam : I notice a collection account for XXXX XXXX with account # XXXX. The original Account # XXXX is with a balance due of {$960.00}. 
Ever since 2013 when it was first reported to the credit bureaus, i disputed the creditors in question in writing via US Postal Mail and demanded proof under the Texas Finance Code section 392.202 (  b ) that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Section 392.202 ( b ) of the Texas Finance Code requires the debt collector to provide a Statement that verifies the accuracy, confirms the inaccuracy or states that they have not yet completed their investigation or determination. There is a requirement that response be provided within 30 days of request, however the response can state that they have not yet completed the investigation. 

So far XXXX XXXX has been able to provide NO such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
Despite credible debt validation letters sent & their obligation to cease collection activities, XXXX XXXX showed willful ignorance to the law with inaccuracies in their response times. 

Under TX Finance code section 392.202. ( b ) collectors are required to delete their reported collection if they do not provide their statement within 30 days of request & have the option of re-inserting the reported collection if they have legitmately validated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, and I hope all is well. XX/XX/2020, letters were sent to addressed issues : While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party XXXX XXXX XXXX XXXX to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Bread Financial Holdings, Inc.
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: Information belongs to someone else

Complaint:
I am a victim of Identity Theft .I discovered the issue in XX/XX/XXXX and have been trying to work with XXXX to get the issue corrected Since XX/XX/XXXX. I have sent all the required documents to XXXX to get the fraudulent accounts off my credit without any success. I have filed a report with both the Federal Trade Commission and County Police and XXXX refused to remove the fraudulent accounts. XXXX always sent a generic response and I am beginning to believe they are not taking the time to investigate my dispute.I received two letters from XXXX  both dated XX/XX/XXXX, in one of the letter XXXX stated they are unable to locate my credit file in their database with the identification information I have provided. I have sent XXXX my Identification and SSN on numerous occasions and they said they verified the accounts belong to me now they are saying they can not locate my credit file in their database. The second letter states they will not blocked the information from my credit file. I am confused with this response and I need XXXX to investigate my claim with the creditors and not just say the fraudulent accounts belongs to me. I have stated in my police report that I am willing to press charges when the police finishes their investigation. 

XXXX currently has 6 fradulent accounts listed on my credit report. 
Comenity Bank/ wayfair {$5700.00} XXXX XXXX {$1000.00} XXXX XXXX {$570.00} XXXX XXXX {$1600.00} Comenity Bank/ Victoria Secret {$770.00} XXXX {$1100.00} I am not sure how these cards were open in my name because I have only had my SSN since XXXX and should have had XXXX credit scores to obtain these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, 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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation