BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
Company: Conn's, 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:
XX/XX/2020 Credit opened with XXXX 's by someone under my name, home address, SSN. 
Contacted XXXX 's Fraudulent department. 

XX/XX/2020 Conn 's XXXX. Credit opened with Conn 's for {$2400.00} by someone using my name, home address, and SSN. 
Contacted Conn 's XXXX Fraudulent department. 

XX/XX/2020 Checking account opened with XXXX XXXX XXXX by someone using my name, home address, and SSN. 
Contacted XXXX XXXX XXXX Fraudulent department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Acra Intermediate Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was placed in Covid Assistance Payment plan XX/XX/2020. In XXXX I started a refi. Broker. XXXX XXXX XXXX ID XXXX This was to be a stated income refi My credentials. Credit Score. XXXX A years worth of deposits averaging XXXX monthly. Provided and average way above that Only debt. Lease car XXXX left. Tractor XXXX left. Co signed on grand daughter car XXXX. No credit card debt. We agreed to pay off lease and tractor thru refi Mortgage left on house XXXX. Appraised at XXXX XXXX Biggest stipulation was a balloon payment on the forebearance out of pocket. I had to make over a XXXX payment to satisfy the lender Underwriter has constantly delayed and messed around on this loan. XXXX and Acra management many times telling me that I was way qualified for this refi but waiting for underwriter to approve. 
XX/XX/XXXX I get a text that underwriter has mistakenly sent out to me adverse notification and both XXXX And XXXX conference call me to apologize and ignore. XX/XX/XXXX the letters arrive three times today XX/XX/XXXX I was informed that the underwriter decided he cant reinstate the loan and we need to start over Its been 4 months. Im in worse financial crisis now with the forced XXXX balloon payment That money was to be part of the loan back to me. Property taxes are due shortly. Ive paid out of pocket for the appraisal and this company treats it as a joke The excuses and blaming on their part is unacceptable. They have been provided with a years worth of documentation regarding current and past lender Ive been told Im more then qualify esp with XXXX equity in my home. 
Now Im out XXXX that as a senior citizen I desperately needed and now read that a balloon payment was wrong on their part Please help XXXX XXXX XXXX XXXX XXXX Acra Lending Services NMCS ID XXXX Adverse letter signed XXXX XXXX XXXX Lending XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: EMCC Holdings, LLC
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:
This account is inaccurate and l never had a contract with Equiant Financial under the 609 fair credit act. It is illegal to buy another person account and produce inaccurate information on that person credit. I requested Equiant Financial produce sign original document showing this account is owned by me and they are the original owners of the contract. I will be filling a civil Lawsuit for violation under the 609 fair credit act. This collection Agency was allowed to update inaccurate information instead of deleting false information which is a direct violation. This is also fraud and must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Flandreau Santee Sioux Tribe
State: RI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
To whom it may concern, Creditor/ company that they identify as XXXX XXXX XXXX XXXX XXXX has contacted my girlfriend on 4 or more occasions and left messages in regards to a debt possibly owed through Rushmore Financial. These calls started on XX/XX/2020 and have been occurring multiple times daily through today XX/XX/2020. They state they will be serving me papers for debt owed through a courier to my home and or employer. However I am informed them multiple times that I no longer live at address on file nor work at employer they have on file. I have attempted to provide new address and they then hang up and call back and continue to harass me. When they call back they state same thing all over again about coming to my home and employer to serve me but won't allow me to provide new address. They also have shared debt or personal information with a 3rd party and I have documented voicemails. Their number comes up as NO CALLER ID as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. I have accounts that are reporting inaccurate on my credit report. There are accounts that I will list that says I have missed payments when I have always paid as agreed. Also my information has been exposed In the XXXX  data breach and I need the accounts that have been opened due to my information being exposed deleted. This is a violation of the FCRA and they have to be reported correctly.

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 2020-07-24
Company: Experian Information Solutions Inc.
State: KY
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:
I've tried to get my creditors to report the correct Personal Information as : Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 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 2019-05-30
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or around the end of XX/XX/XXXX, my wife spoke with XXXX XXXX and requested that all cable services removed from our account, they did not offer the channels we wished to watch and were planning to a web based service and wanted to keep the high speed internet service the representative was very rude and told my wife she was stupid to not keep the cable channels offered at which point my wife demanded that they turn off service and with in the week she took all cable and internet service boxes to the local office and dropped them off we were told when we dropped the boxes off we no longer owed any money. We then moved to another town as I work construction anyway I never signed a contract for anything I never received a bill stating that I owed anymore money. Until XX/XX/XXXX when it showed up as a collection on my credit report I have been working hard to improve my credit and this showing up like this has caused major problems for me and even though I know in my heart that I do not owe this debt I even called and offered to pay the full amount if they would remove it from my credit report at which time the representative informed me that they didn't do that Now I'm almost deaf but I informed him what point was it in me paying a debt I didn't owe if they were still gon na leave it on my account I understood him to say he didn't care jut wanted the money which is extorsion. I had also sent two letters to Convergent Outsourcing Inc. requesting verification of any money owed to them the sent an itemized bill that does not show the return of all equipment and does not bear my signature a teenager could have made such a bill at the library anyway I am just frustrated these people are ripping people off left and right and I pray that this complaint will resolve the issue. This is a small amount of money to be causing me such a major problem please help.

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 2020-05-29
Company: Radius Global Solutions LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2023-01-12
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: SAMC Honebee TRS, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX XXXX, La XXXX Account Number/SSN : XXXX Re : My mortgage Loan : / XXXX Date : XX/XX/2020 To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a Few late payments reported on XX/XX/XXXX/XX/XX/XXXX,  XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. 
I want you to know that I understand my financial obligations, and if it werent for Going through a BAD DIVORCE ( hardship, etc ), Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive made my finances a priority and have organized all of my accounts and payment due dates, both on my computer and on paper, along with notifications and reminders for each one. Since then, Ive had a spotless record of on-time payments. Im working hard to structure a solid foundation for myself and my XXXX kids going forward. 
Im planning to re-establish my credit and its come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments listed above. Thank you for your consideration, and I hope youll approve of my request. 
May XXXX forever blesses you is my prayer. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Experian Information Solutions 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 status incorrect

Complaint:
I was dismayed once I looked at my XXXX, Experian and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2016 I  already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: NATIONS DIRECT MORTGAGE, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I was hired by a company on Tuesday XX/XX/2019contingent on my background check screening. My background check was completed on Friday XXXX19. My start date was Tuesday XX/XX/XXXX. I was in orientation until about XXXX when I was then pulled out of conference room by Human Resources. I was sent to the Director of HR 's office and was told by the Director of Human Resources that the company  had to Part ways with me and was handed a check for the day. I then asked why I was being fired and the Director stated my background check reflects I have 4 previous XXXX 's, which is False. I do NOT have 4 XXXX 's. The report is incorrect and I told her that and I also asked why they are telling me this now when the report was completed on Friday as I got an email stating the report was completed. She stated that she wasn't there on Friday to retrieve the report and then she showed me the report and I told her that the information reporting on the background check report was incorrect. She didn't give me a chance to explain or prove myself, instead I was escorted out by HR. It was humiliating and embarrassing beyond words. When I got home I went online and obtained a Driving Record report from the CA DMV 's website along with proof that I am XXXX XXXX XXXX  Approved and I explained to her that I had to interview with XXXX and was finger printed and their background check is ran through the FBI 's database and that I was cleared and approved. I then emailed my supporting documentation to the Director of Human Resources and told her she made a mistake on reading the report and not giving me a chance to explain myself. I also texted message the hiring manager letting her know what happened because I really liked her and was excited to work there. The next day on XXXX19 the hiring manager messaged me back stating that she would talk to the Director to bring me back on board.That morning the Director of HR left me a voicemail stating she wanted to bring me back on board, but at that point I was so humiliated that I was not going to go back. I feel like I wasn't given the opportunity to prove myself at all. Her mind was made up as she had my check printed out already. I feel I was treated very unfair and was profiled and humiliated on my first day of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Received a bill from my homeowners insurance asking for payment. Come to find out our home owners insurance company XXXX has reached out to the loan servicer on two different occasions, XX/XX/XXXX and XX/XX/XXXX to pay the home owners insurance through our impound account and the mortgage company has failed to comply, Freedom Mortgage. The premiums on my home owner insurance is for the period of performance XX/XX/XXXX to XX/XX/XXXX. I am currently lapsed in my home owner insurance because Freedom Mortgage has not made the payment. It appears the insurance coverage department at Freedom Mortgage is only open Monday-Friday, but the loan Department is open Monday-Saturday and can not handle making the payments for insurance only work payments for the mortgage.

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 2017-12-19
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed approximately {$2600.00} plus registration costs in XXXX XXXX. In XXXX XXXX, my car was vandalized and my insurance company paid off XXXX. They paid $ 3500+ to pay off the title loan. XXXX XXXX agreed to pay them in XXXX yet XXXX continued to charge fees and even charged me for the month of XXXX even though my insurance had already paid them. Now I have a bill that continues to accrue {$27.00} every time it 's late. Month over month and they refuse to explain why or how they came to the amount and the last phone call I had with them today XXXX, the guy could n't explain the calculations of {$11.00} per day accrued the amount they say I still owed. They were paid in full and refuse to update the file as such. This is the 2nd title loan I have had with them and I ca n't believe how they treat customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, ABILITY RECOVERY SERVICES , LLC, with a mailing location of, XXXX XXXX XXXX XXXX, PA XXXX claimed I have a debt with them in the amount of {$710.00} for computer schooling. I sent a certified letter to them requesting the debt be validated. 
That certified mailing came back as deliverable. I disputed the debt with 3 credit reporting agencies and 2 removed the alleged debt as not validated. 
In XX/XX/XXXX, I applied for a loan and the loan officer questioned me about the debt. She called the alleged debt collector and put them on speaker phone. Many questions were asked of them and they had a lot of bad information on me including spelling of my name and and wrong address. 
The alleged collector was argent, ignorant and out right verbally abusing calling me a deadbeat. 
I have no knowledge of this as already know how to fix XXXX and have been working with XXXX since XXXX when was XXXX them in high school.

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 2020-10-21
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was reviewing my credit report and notice several fraudulent accounts. I provided 2 forms of my ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: EQUIFAX, INC.
State: OH
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:
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I waiting on something that meets the standard of Section XXXX09 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant find this information you are required to delete this information, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I am struggling to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX   XXXX XXXX BAL {$2600.00}, XXXX XXXX BAL {$750.00}, XXXX XXXX XXXX BAL ; {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Santander Consumer USA 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:
I fell behind 1 payment in XXXX. I called and tried to explain the financial hardship we were going through and asked for help. 
There was an agreement but into place but for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ad XX/XX/XXXX I recieved lates on my credit report. This payment arrangement was told to me that I would not receive these lates on my credit report because I called and they were working with my on the payments. 
In XXXX, I got all caught up on my payments. 
XXXX hit and COVID hit. 
I was laid off from my job and called again to let them know I was not able to make my payment in XXXX. Again, they understood due to the pandemic and again, were not supposed to hit my credit with this. They did. Another 30 day late in XX/XX/XXXX. 
I paid everything up in XXXX when I got my unemployment. 
I was laid off again in XXXX, and again called and told them due to the pandemic, I couldn't make my payment. Again, they said they would note my account and it would not be reported negatively due to the pandemic. AGAIN, I got hit with another 30 day late in XXXX. 
I have since paid everything up and made my payments on time. 
I can understand hitting me with the lates back in XXXX, but I called and I tried to do the right thing. I didn't think this would effect my credit this bad. 
And as far as XXXX and XXXX, again I called to talk them through this, but this is the one I don't understand - we are in a pandemic. Unemployment was all messed up. I didn't have money to pay this due to reasons outside of my circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XXXX XXXX XXXXNavient My mother and I moved in spring 2016 after she and my father finalized their divorce. Ever since, yearly and nearly monthly, we have been receiving calls for my father from these companies at this address at our cell phone numbers and landline which have never been associated to his name. We have told the company on multiple occasions that we do not have contact with him and have no way of contacting him and it stops for a while and starts again. 

I do not have specific dates. Please just assume this happens on a monthly basis. 

I asked the agent for how they were getting my info and she told me she could not and would not divulge that to 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