BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, I was looking at my credit report on XX/XX/XXXX there seems to be a few mistakes that were never corrected. Let me explain in detail I am being told I have 13 with XXXX  & that I have 8 inquiry 's with equifax. This is 100 % inaccurate. I always pay my bills online and never signed any documents for any of these companies I list to run my credit report to anyone. I will show you the screen shots but I'll write here as well most of these are going to be from a car dealership that I never ever gave them authorization to run my credit score. this 100 % fraud and never authorized by me. The following items should be removed from my report from all credit agencies XXXX, equifax, XXXX. XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 & XXXX XXXX XX/XX/XXXX. Most of these companies i never even heard of I tried calling some of them and kept giving me run around. I never signed anything for any of those companies and I never applied online or gave anyone the right to speak on my behalf. This is 100 % fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Convergent Outsourcing listed an account on my credit report that has been paid in full. I disputed the account with XXXX  and XXXX months ago. I received a letter dated XX/XX/2018 from Convergent stating that they are no longer furnishing the account and that if it is listed on my credit report, they are going to send an request to have it removed. It is still listed on both credit reports. I sent evidence to XXXX  of the letter that Convergent sent me. They informed me that when they try investigate the matter, Convergent is informing them not to remove it from my credit report. There is conflicting information as to what Convergent is telling the credit bureaus to what they sent me in the mail. I would like the account removed from both XXXX  and 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 2019-02-02
Company: ALLY FINANCIAL INC.
State: CA
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:
Never applied for credit Never authorized ANYONE to run my social security number

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 2019-02-02
Company: Harley Davidson Financial Services Inc
State: CA
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:
Never applied for credit Never authorized ANYONE to run my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had a XXXX  credit card since XX/XX/XXXX. 
Beginning particularly since XX/XX/XXXX, the website is so slow that it repeatedly times out when I try to log in to pay account. Other times for several days at a time it shows a basket icon and says that function is not available at that time. The end of XX/XX/XXXX, I could not even find out how much I owed on balance before payment was due, so I paid at store with a check for much more than I owed because the website would not take payment.XX/XX/XXXX, I tried repeatedly tog in with correct username in different browser and on different devices. For hours message said the website had an inactive script. It would not activate either login icon or " manage my XXXX ''. Payment was due XX/XX/XXXX. A few minutes after XXXX  I was able to log in with my username which was correct XX/XX/XXXX but it would not allow me to log in until XX/XX/XXXX. Thus XXXX  is fraudulently creating late fees which are a minimum of {$38.00} by not having its website function until minutes after payment is due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30
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:
Greetings I have been patient with the credit bureaus yet they keep breaking the law. As of XX/XX/2021 I have sent letters out to dispute items that I truly believe are not mine and yet these companies say that they are accurate without proof. How much longer can they play this game?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Recently I notified TransUnion of inaccuracies on my consumer report after being notified TransUnion removed the inaccuracies ( names, birthdays, addresses, numbers, and social security numbers ) the accounts that are associated with the inaccuracies remain on my consumer report and I believe that TransUnion is in violation of federal laws by continuing to report the inaccurate accounts

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 2019-02-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2016 I settled an XXXX XXXX with XXXX, for the past two years Ive been complaining that the wrong information has been reported to my credit report. Im complained, wrote emails to representatives at the bank, and complained to Equifax and its still has wrong information being reported. My next steps are reporting XXXX   to the Texas Attorney General and to the Texas Finance Commision in addition to filing a Lawsuit against XXXX and Equifax. I have disputing this account for the passed two years and Ive saved the results and have my credit reports for the past two years. This is very unethical for a lending institution to do this in addition violating FCRA Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
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 status incorrect

Complaint:
XXXXXXXX XXXX Credit Card Account # XXXX Date opened : XX/XX/XXXX Date Paid and Closed : XX/XX/XXXX Credit card that was closed on XX/XX/XXXX Amount : {$1.00}, XXXX 
This account was closed and is also too old to be on my credit report. 
I have wrote the company and emailed the company and it still has not been removed.

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 2018-07-12
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
XXXX  has updated that this XXXX account is paid a settled. Whereas transunion and XXXX  has not updated the account as a paid and settled charge off with XXXX balance. Its an XXXX account store card account number is XXXX. Need transunion and XXXX  to update comments as paid charge off settled account as XXXX  did

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 2019-02-02
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have previously filed a complaint no. XXXXMr Cooper responded to us via us mail.But again their explanation was full of inaccuracies and false information.They haven't updated their system with any current information and instead are using information provided by them by the previous lender. 
The person in charge of the escrow review is not responding to voice mails.Her name is XXXX XXXX XXXXShe 's the one that responded to the complaint using fraudulent numbers from previous lender. 
My husband and I spoke to an escrow supervisor on XX/XX/19 and we asked him to escalated our issues to upper management.We haven't heard from anyone. 
I feel that MR. cooper is committing mortgage fraud and are using misleading information to collect additional escrow without gathering the precise numbers.They are using insurance and taxes amount due for my property that aren't right.Furthermore they are lying to me as well regarding where they are getting these numbers. 
Perhaps they do not understand that mortgage fraud is a crime. 
I can not understand why the CFPB allows these companies to commit fraud and get away with it. Ii advice them that either resolve this matter correctly or I will contact my local FBI office and escalate the issue.After all mortgage fraud is a federal crime.Maybe your office can escalate this matter to them as well since Mr.Cooper is not been straightforward with my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to AFNI, INC. to request a contract or a an agreement in regards to the debt that they're trying to collect.. because I've never had a contract nor an agreement with them. They have not contacted me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
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:
XXXX XXXX account number # XXXX need to be updated on credit report. Account shows included in bankruptcy but account has been being paid since XXXX all the way XX/XX/XXXX and was paid in full. XXXX XXXX has recently reported that this account was included in bankruptcy was that is not the case I have attached payment history and paid in full letter from XXXX XXXX XXXX and is requesting my credit report to be updated.

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 2019-02-02
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
RE : XXXX University / XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transaction Date : XX/XX/XXXX Amount Paid : XXXX Payment Method : Personal Check or Bank Debit XXXX Falsified Multiple Federal and State Documents under my student Identification number ( XXXX ) applying my federal grants and Federal loans for semesters after my withdraw from the university on XX/XX/XXXX . Semesters that were falsely applied ran from XX/XX/XXXX-XX/XX/XXXX. 
Pell Grant amount applied- {$3500.00} Stafford Subsidized Loan- {$3500.00} Stafford In-subsidized Loan- {$6000.00} Student Payments expected- {$670.00} Scholarship Used- {$750.00} Funding Plan ID : XXXX Version : 1 Generated XX/XX/XXXX Regardless of Withdrawal this amounts were authorized and processed. Eventually reflecting as negative accounts on my credit score for years. An stoping me from continuing my education because a the school refused to release my transcripts. 

Taxes were filed on a XXXX XXXX XXXX XXXX. 
XXXX XXXX University XXXX Filer Federal Identification no.XXXX Student SS # XXXX Payments Received {$6400.00} Scholarship or Grants {$1700.00} Service provider/Acct. No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Experian Information Solutions Inc.
State: MI
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 complaint is about Experian and their refusal to report our mortgage as being open and paid. I have sent mortgage statements, and documents from the lender ( XXXX ) that this account has never been closed, and is being reported as such. From what Experian has explained to me is that in XXXX the account was discharged due to a bankruptcy, and the tradeline was never inserted back by XXXX. XXXX informs us that they have no control of when a tradeline is removed. On XX/XX/XXXX, XXXX submitted Automated Universal Data form ( AUD ) number XXXX to Experian to reinsert XXXX tradeline. I spoke with Experian on XX/XX/XXXX, and they informed me that Experian will never be able to report our mortgage, because the time frame had passed for XXXX to have the tradeline reinserted. Our mortgage was never included in our bankruptcy, and it should have never been removed from Experians credit report. The other credit bureaus are reporting our mortgage as open. So, in conclusion, its been ten years since Experian stopped reporting our mortgage, and some lenders use Experian to determine eligibility for credit. I want to know if it is legal for Experian to refuse to report our mortgage. I have been back and forth with Experian and XXXX to resolve this matter. Thank you for your assistance.

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 2018-07-31
Company: Byrider Franchising, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX - Company Amount - {$450.00} Company sent repossession after default in one payment. This was on XX/XX/2018. " Account Manager '' started speaking about my social media profile and continued to say " too bad you cant afford your car payment '' gave me legal advise to file bankruptcy. Account manager harassed me and continues to say my account was sent to an attorney for garnishment of wages. When they have not bothered to come get the vehicle.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Shellpoint Partners, LLC
State: MN
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:
In my divorce back in XXXX, my ex husband was ordered to pay the loan to XXXX XXXX. The bank modified the loan and made it a permanent 2 % fixed rate installment loan. This loan was sold from XXXX XXXX to Shell Point Mortgage Servicing. XXXX said he was not notified of the sale or where to send payments. He got his first statement in XXXX and made a payment in the beginning of XX/XX/XXXX. I wasn't contacted by Shell Point Mortgage until XXXX or XXXX making me aware of the fact that there was a past due amount on the loan and that the loan had been sold. I immediately contacted XXXX and let him know a payment needed to be paid and where to mail the payment. He never received a XXXX statement. I have attached documentation explaining all the issues. I know that when a loan is sold the consumer has certain rights. Shell Point Mortgage Servicing has issued two 60 late payments to my credit report which caused me to get denied on a loan application from XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was emailing with XXXX XXXX ( XXXX XXXX XXXX ) about a refinishing job. This email thread had been started a few days before that. I wanted to move forward with the downpayment and ( presumably ) XXXX wrote back with payment options. I chose XXXX and XXXX wrote back with the email address to use for the transfer. Using the email provided ( in the email thread that had been used for days ) I transferred money ( {$1800.00} ) on my Bank of America account using XXXX transfer. 

After the transfer, I contacted XXXX to let him know I had transferred him money. XXXX said, strangely, that he hadn't received the money yet. I thought maybe it could take a little time. The next morning on XX/XX/XXXX I called Bank of America to let them know the recipient had not received the money. They told me that the money had successfully been transferred to an account at XXXX XXXX I called XXXX and he told me that makes no sense because he does not use XXXX XXXX. At that point we both looked at the email thread we had been using and realized I had emails in the thread that he had not sent. From my point of view, it looks like someone hacked into the email thread to give a false account to transfer the money to. 

I filed a claim with Bank of America, a claim with XXXX, and also filed a police report on the matter as per Bank of America 's request. At this point, Bank of America has not accepted my claim because they said I willingly sent money from my account. I feel really stuck on what to do now. I have asked Bank of America to open the claim again but they have also not asked to look at my emails or speak to XXXX XXXX who has said he is willing to share anything to help me get my money back. Bank of America says the only way I can get my money back is if XXXX XXXX agrees to investigate or give me it back themselves. 

I have attached the emails the hacker/fraud person started emailing me from this email on ( you can see if you scroll that then they have tried to contact me more since the transfer ) : Initial email that XXXX confirmed was not sent by him : XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXXXXXX XXXX to XXXX Hello! Please don't forget 50 % deposit has to be paid asap and balance after the completion. The payment method is via XXXX, XXXX, Direct Deposit or ACH, Let me know which payment method is fine with you, I will send the details. 

Sent from my XXXX XXXX after the transfer the emails continued : XXXX XXXX XXXX Thu, XX/XX/2021 at XXXX XXXX Reply-To : XXXX XXXX XXXX To : " XXXX '' XXXX why do you forward this again? 

[ Quoted text hidden ] XXXX XXXX XXXX Wed, XX/XX/2021 at XXXX XXXX Reply-To : XXXX XXXX XXXX To : " XXXX '' XXXX Hello

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 2019-02-02
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PMI Cancellation : I paid the balance of my mortgage down to below 78 % loan to purchase price on XX/XX/XXXX. I was informed when I had paid the mortgage down to 80 % that i needed an appraisal to cancel PMI, or if I paid it down to 78 % it would go away immediately. Since then, I have been educated on the Homeowners Protection Act. 

A PMI payment was withdrawn on XX/XX/XXXX. I contacted the company on XX/XX/XXXX, and they said I needed to put in a formal request, which they did at that time. They said it could take 3-5 business days. Between XX/XX/XXXX and XX/XX/XXXX, I followed up again, and was told my request was pending, and I received inconsistent information on how long it would take to process. I did not record the date for this call as I thought they were working with me at the time. 

I followed up on XX/XX/XXXX, and was then informed it would take a month from my request on XX/XX/XXXX. I asked for confirmation as I had been told 3-5 business days multiple times before and they refused to send any written confirmation. They told me to send an email, which I've attached. I was not contacted. 

On XX/XX/XXXX, another PMI payment was taken out of my escrow account. I called on XX/XX/XXXX, and they said someone would call me in 24 hours. Nobody contacted me, and I followed up on the evening of XX/XX/XXXX, and I was told that the automatic cancellation was not 78 %, it was 75 %, which is inconsistent with the Homeowners Protection Act and my mortgage documentation. They also told me my LTV was at 79 % in their system, when it has been at 77.99 % since XXXX, and shows at 77.99 % on the customer portal. I asked the representative what they were showing as an outstanding balance, and the amount he told me was the correct outstanding balance, which equated to 77.99 %, but he still told me my loan was at 79 %. 

They refuse to let me talk to a supervisor, they refuse to call back. I believe they are intentionally giving me a difficult time, conflicting information and ignoring me because I have called so many times on the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: Navient Solutions, LLC.
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: Problem with personal statement of dispute

Complaint:
I attended XXXX XXXX XXXX in XX/XX/XXXX and the school closed in XX/XX/XXXX, applied for a student loan forgiveness and I was told I cant get it

Company response to consumer: Closed with explanation